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

Hello, On XX/XX/2020 I rented the apartment at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX the move in was XX/XX/2020. XXXX XXXX XXXX with a XXXX  year contract. On the day of the walk in before I move in a man representing the apartment show me the apartment. He told me to write down everything I see wrong with the Apartment. XXXX XXXX form to mark what was wrong ( he never explained what I should do with it ) so I did and left it in the counter top thinking he will pick it up. They never stopped to pick it up. I forgot about it. I had to call maintenance a couple of times. XXXX time was on the middle of winter the hold apartment had electricity except for my apartment. The maintenance man told me that someone move the brake for my apartment. The XXXX time the dryer was not drying well so they said the lines for dryer was full of lint and they had to come back and cleaned from the roof. The XXXX time XXXX of the bathroom was leaking water from the roof. So as you see in there pictures the window had XXXX. The charges are for some carpet that was already damaged when I move in, the cleaning charges they are collecting is for the closet where the washer and dryer are in. Explain to management that I didnt clean there because I had to remove the door closets door and move the appliances. For XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or had the tools to remove the door. The manager told me that the charges stay. When I called the office to make sure that I had to give my 60 day notice the same man that did the walk in told me I need to wait until the end of the month. To give my 60 day notice. After I move out I cleaned the apartment and the same man came to do the walk and check the apartment he made me sing the document and told me I need it to wait until the inspection is done and they will send me the summary. Well XXXX weeks when pass and I call the office XXXX XXXX told me he just sent the disclosures. Attached yo can see the change and I send a email advising them I dont agree with the charges and asked for a disclosure of the bill. I will include all the emails and pictures they sent me. I late search them on XXXX for there reviews and sorpraising other people had the same complaint like my. I keep sending emails to the main office and the same XXXX email me back stating charges will stay. I have all the supporting documents including emails. Also theyre reporting this on my daughter credit report.
Product: Credit card or prepaid card

Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all XXXX credit bureaus and they have repeatedly and unlawfully ignored my verified claims. This is a violation of TILA 15USC 1681 a ( 2 ) ( B ) because my social security card was used to create these fraudulent accounts. This is also a liable for fines under title 18 due to the false pretenses.
Product: Credit reporting or other personal consumer reports

he account starts with XXXX can't see the whole account number this was for XXXX XXXX they took the car and sold for the car but is still asking me to pay XXXX knowing they have already gotten the full amount for the car this is for all three-credit agency i have been putting in dispute for XXXX, TransUnion, and XXXX for years I've also ask for supporting information for them to do an thorough investigation this practice violates the fair credit reporting act FCRA 15 u.s.c 1681 which mandates a reasonable investigation of disputes, furthermore XXXX, XXXX, TransUnion action may have contravene the consumer financial protection act CFPB 12 u.s.c 5536 a-b as highlighted in the CFPB administrative proceeding file no-2025-cfpb-0002 against them for similar violation, I request the CFPB to take action to ensure that these credit reporting complies with federal law and provides consumers with the necessary proof of investigation also they have so many inquiry on all credit profile that isn't lint to any account I don't know how this happens in I have asked them foe years to remove them they have not remove anything they have had wrong address and names on my account and list of jobs and income that I didn't give them also phone numbers this have been hurting my credit for years it has cause ongoing harm to my credit standing. these failures align with my experience, where XXXX, XXXX, TransUnion has neither corrected nor removed disputed items despite the evidence my information has also been in the data breach for the last 5 years THERE ARE OTHER ACCOUNTS THATS ON MY CREDIT THAT WAS SOLD TO SO MANY COLLECTIONS AGENCY IN THEY WERE PAID BUT STILL ON MY CREDIT
Product: Debt collection

Was informed that I would be subjected to garnishment from my employer and that my employment would be restricted by a certain period of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi could you check my records? I have been sendng you letters about so many inaccuracies on my credit but nothing seems to be moving nor I get any response from you telling me that you are conducting an investigation. The last one was sent on XX/XX/2021. I know people who sent dispute letters to you, and they tell me I am supposed to get a response, but you don't seem to be responding. Please do check my files and investigate all those inaccuracies that should be on my report in the first place
Product: Credit card or prepaid card

I purchased a Bluebird Pre-paid Card at XXXX for the purpose of depositing cash to transfer to my bank account since my bank does not have any branches where I live to deposit cash. Upon purchasing the card for a value of {$5.00} and putting {$500.00} into said card I arrived home to activate my account on Bluebird.com and have been unable to do so even with the help of the customer service at XXXX XXXX XXXX XXXX. Each time I call the customer service phone number they barely attempt to help me ; only instructing me to create an account and once that proves unsuccessful they place me on hold or say they are transferring me to someone else but actually hang up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts in question are IN COLLECTIONS : XXXX XXXX : XXXX Unknown Collection Agency : XXXX XXXX XXXX XXXX  : XXXX The account in question which is closed and has a ton of INACCURATE INFORMATION : XXXX XXXX XXXX : XXXX I am writing to inform you that there is 100 % improper use of the credit report. Attached to the XXXX! XXXX, and EXPERIAN HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX A BOUT THIS credit report and found some addresses that appear incorrect. Not only did I find addresses, but I XXXX. 

I looked over the ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, id passport, driver 's license, and insurance card. 

TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE 15 USC 1681CTAKEN OFF ASAP. 2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 

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 : Also, States A Consumer Reporting Agency Can not Furnish A AccountWithout My Written Instructions!!
Product: Credit reporting or other personal consumer reports

I'm in the process of purchasing a home and I realize that I had damages on my report and according to 15 U.S.C 1681this is defamation of character
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and credit report : XXXX XXXX XXXX Account XXXX Open date : XX/XX/year>2019. XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX TX XXXX, ( XXXX ) XXXX
Product: Mortgage

IT HAS COME TO MY ATTENTION THAT XXXX OF YOUR ACCOUNT HOLDERS SOLD MY PROPERTY TO ME IN XX/XX/XXXX THE HOUSE THAT I HAVE BEEN LIVING IN SINCE XXXX FOR THE PRICE OF {$30000.00}. HE HAS INFORMATION ABOUT MY RESIDENCE. AND BACK IN XXXX {$30000.00} WAS ADDED TO MY MORTGAGE AND THE SAME AMOUNT OF FUNDS WAS ADDED TO HIS ASSETS ACCOUNT. I WILL NOT GIVE HIS FULL NAME BUT I WILL SAY HIS LAST NAME, I WILL GIVE HIS FULL NAME TO THE CFPB XXXX. I HAVE DOCUMENTS THAT WILL SHOW THAT HE TOOK OUT XXXX OF MY HOME WHEN I KNEW I HAD NONE AT ALL. HIS LAST NAME IS XXXX AND HIS ACCOUNT IS CONNECTED TO TRUIST BANK. AND {$28000.00} WAS TAKEN OUT ON A XXXX OF MY HOME. LOANS HAVE BEEN TAKEN OUT. THE ORIGINAL LOAN BALANCE IN XXXX WAS {$160000.00} WHICH WAS ( XXXX ) AND {$28000.00} WAS FOR LOAN ( XXXX ). I DO NOT REMEMBER TAKING OUT ANY LOANS FOR MY HOME. I KNOW BOTH WERE ADDED TO THE PRINCIPAL OF MY HOME. THE DOCUMENT I HAVE TO SAY THAT IT WAS NEW MONEY AS A MODIFICATION AND THE SIGNATURES WERE FORGED ON THE DOCUMENT. THE MARKS LOOK AS IF THEY WERE ERASED OR SOME WHITEOUT WAS APPLIED AND THEN MARKED AGAIN, IT WAS ALSO STAMPED BY A NOTARY IN SOUTH CAROLINA. THE MARKINGS ARE NOT OF MY DOING. THE DOCUMENT THAT I WILL SEND TO CFPB DOES HAVE HIS FULL NAME ON THE VERIFICATION. I CAN VERY WELL SEE, MYSELF GETTING A TEXT FROM THE STORYTELLER SAYING WE DO NOT KNOW OF ANY XXXX, XXXX XXXX RECORDS DO INDEED.ALL THIS FROM XXXX TO XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, XXXX ) credit report, and I noticed some late payments posted on my credit report : Toyota Motor Credit XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : a. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include A. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Product: Debt collection

GC Services Collections for  XXXX  {$2600.00} rounded Balance was discharged through Chapter  XXXX  I have disputed this item 4 times I also never received a collection notice before it showed up on my credit report
Product: Credit reporting

On XXXX XXXX, I sent a request to Trans Union asking them to investigate errors on my credit report. Over 30 days have passed, and I have not received a response from their organization.
Product: Credit card or prepaid card

In XX/XX/XXXX my account was closed and my available funds were taken with out no notice or explanation. They flagged my account with little information on why they want to verify my identity which I have fax documents to XXXX I have called them numerous times with no help at all my benefits continue to be paid out every week but no destination to an active account. They don't want to resend me no new card. I'm left with silence and despair with no clear direction in resolving the issue I file complain towards bank of America and Arizona DES for partnership in this. I was able to verify DES has received my documents but held to reverse their actions.
Product: Debt collection

XXXX XXXX property in XXXX Texas - Texas is inaccurately attempting to collect for early lease termination in 2017. 

Before moving out I tried to locate a new tenant, the property found one first and transferred my lease therefore no longer rendering me responsible for the lease. 

They are now claiming they do not have any record of this transfer. The management company has changed, and none of the same people work at the property, so they are unable to validate the debt, but still inaccurately claim I owe them. 

The property will not answer my calls, and the corporate office has admitted they can not validate the debt, but has refused to discontinue pursuing it.
Product: Mortgage

we have been trying with BSI to do a loan mitigation. 
- They are asking for a large down payment of {$30.00} -They have being doubling our escrows -Increasing our mortgage payments by 1/3 -Not being transparent in their charges -Impossible to talk too ..
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and I am requesting that all accounts associated with my personal information be blocked and deleted in accordance with the Fair Credit Reporting Act, specifically under 15 USC 1681c-2 ( a ).

Due to the breach, my personal data has been exposed, and I believe it is in my best interest to ensure that any potentially fraudulent accounts associated with my name are blocked from further use and permanently deleted from your records. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts were involved in data breach and need to be blocked and deleted
Product: Debt collection

On XX/XX/XXXX I contacted Barclayscard to discuss my account ending in XXXX. 
I was advise by agent Barclays offered a payback plan of XXXX per month to save my credit and to attempt to pay back what was owed. However I would need to pay the past due balance in XXXX payments of XXXX in XXXX and XXXX to bring current. They would wave the late fees and I could change my due date and set up auto payments. 

I made XXXX payments in XX/XX/XXXX for XXXX dollars and new for XXXX dollars. 
i also made the payment XXXX dollar payment in XXXX and started to make the auto XXXX dollar payments When I checked in XXXX my balance in only XXXX dollars less than i started over 4 months ago and they are charging illegal late fees and refusing to change my due date unless i come up with hundreds of dollars more. 

They made a commitment and an agreement with me to pay back certain debt. now they are attempting to revolve on the agreement and charge me additional monies or report me to credit bureau
Product: Checking or savings account

XX/XX/year> I ordered a product that I thought was from the united states since the bank that charged my account was in XXXX but ended up being a scam site out of XXXX. 

I never received the merchandise, i reported it to my bank Capitol One and the bank which in turn they eventually believed the scam company out of XXXX without proof of delivery or signature that the merchandise was indeed delivered to me, which it was not. 

I reported this 3 more times and capital one continues to not do a thorough investigation that will prove I did not get the merchandise. 

The scam site blocked my IP address from searching the tracking # that clearly still shows it is supposedly in XXXX. 

That bank owes me a refund and I want my money back. My bank is supposed to protect me, the consumer and account holder from scams/fraud as this.
Product: Mortgage

We are filing a complaint against Loan Depot and their Loan Consultant XXXX XXXX XXXX # XXXX due to negligence, deception regarding rate lock, failure to uphold agreed terms, and failure to disclose crucial information causing substantial financial loss totaling {$170000.00} in additional interest. 

During our initial discussions with the lender, we were assured of specific terms and incentives, with the understanding that our interest rate would be under 6 %. However, when documents came in for e-signing it showed fees and rates that didnt align with what we were promisedand there was no communication about these discrepancies or the latest rate of 6.5 %. 

When we raised this with our loan officer, she told us the documents werent official and we didnt need to sign them, which we didnt. This raised a red flag, as it became clear she had not been transparent with us. Despite promises, the rate never lowered to the agreed 6 %, nor did we receive updates on rate changes. Concerned, we reached out to XXXX XXXX XXXX, which offered us a pre-approval for a 6 %, 30-year fixed loan. We took this to Loan Depot, and XXXX XXXX promised to match or beat it, ultimately offering us a 5.99 % rate. We confirmed we would move forward and promptly signed all documents she sent ( XX/XX/24 ). 

Following this, we received no updates from the lender until 17 days before closing ( XX/XX/24 ), when my fiance got a call saying the rate was now 7.37 %, and we needed to lock it in. We were shocked, as we had been led to believe that the 5.99 % rate had been secured, which was the sole reason we stayed with Loan Depot. At that point, the credit union did not have sufficient time to underwrite the loan, leading us to believe our loan officer intentionally delayed communication, waiting until it was too late for us to work with another credit union. 

She was negligent in not locking in our rate claiming it was too soon even though we were only 39 days out from closing. She did not disclose that we could extend the rate lock, did not inform us the rate was not locked in, and did not disclose that rates were climbing over the course of those 21 days. 

Given the misleading actions of our loan officer, we ultimately decided not to proceed with Loan Depot. We found another lender who could underwrite the loan in time, but the final rate secured was 7.125 %, a significant increase due to the actions of Loan Depot. 

The complete negligence and failure to disclose information completely took away our autonomy throughout this process and has left us paying an additional {$500.00} a month in pure interest totaling roughly {$170000.00} over the course of our 30-year loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacv. 15 U.S.C 1681 section 604 A section it also states a consumer reporting agency can not furnish a account without my consent.

Credit inquires XXXX XXXX XXXX XXXX ( Bank ) 7XXXX XXXX XXXX XXXX Auto ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have my accounts through Navy Federal Credit Union. Ive been having ongoing problems with this bank as well as other things happening to my identity. I need someone to please reach out to me. Someone is changing my military records, stealing my money, investments, charging more interest on my accounts. Please contact me ( XXXX ) -XXXX. My name is XXXX XXXX.
Product: Student loan

I have struggled with paying the minimum amount of my student loans. They have suggested a flexible option, but I told them the amount was still too much. Somehow they have my roommate 's phone number and called her on XX/XX/XXXX. On that phone call, I asked them to remove her information as my contact because she has nothing to do with my account. On XX/XX/XXXX, my roommate received another phone call from them. They call me 5-7 times a day and have even called my job when I've asked them to stop.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Experian credit report, I have identified information on my credit report that were not authorized. I'm a victim of Identity theft and this information is not mine. The other Bureaus are not reporting this fraudulent information.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding unauthorized credit inquiries that have appeared on my transuion credit report. These inquiries were made by companies with which I have no business relationship, no prior dealings, and for which I did not provide consent. 
According to 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), a company must have a permissible purpose before accessing my credit report. Inquiries made without my authorization violate my consumer rights and negatively impact my credit score. 

Since I never applied for credit, loans, or services with the listed companies, these inquiries are unlawful and unauthorized. 

XXXX. XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX. XXXX
Product: Credit card

Without any notice to me, Chase reinserted in a bill for the account period ending on XXXX XXXX a charge I incurred on XXXX XXXX and disputed ( acknowledged by Chase ) on XXXX XXXX. When I called today to inquire, I learned that Chase refuses to investigate or chargeback a XXXX dollars charge I incurred to retrieve my car from a XXXX company that had illegally booted it on a Saturday afternoon. ( I have signage pictures and other evidence of the illegality - note that I am not disputing the {$8.00} charge I paid to the parking lot on my Chase card for all day parking ). In talking to Chase representatives, they made various misstatements : 1 Chase has investigated and " the services were provided '' ; 2 Chase is a government regulated institution and can not dispute the 'merchant '' ; 3 Chase has no responsibility for the business practices of the " merchant '' if it is not the processor/acquirer for the acquirer XXXX even if the " merchant '' ( XXXX ) XXXX ( my hypothetical, but the equivalent of what happened ), I would be responsible for the charge if I handed over my card to the " merchant '' ( XXXX ) ; and 5 if I did n't call the police, the illegality of the charge does n't matter. 

Despite my good faith request that the tape of our conversation be preserved, Chase will destroy the tape according to its customary practices.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX