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

Spoke to Experian fraud department. 

The woman told me that any company at any time without my permission can access my credit report this is what the woman at Experian told me she works at the fraud department I called in today XX/XX/2021 in order to dispute a credit inquiry from a company that I did not know who they were I told the woman who works for Experian that the credit inquiry hard inquiry was illegal she replied what does illegal mean and would not assist me further I didnt stated that there was fraud. In the Experian fraud department woman asked me what does it mean fraud? 

I told her that an unknown unrecognized company had access my credit report for a hard XXXX and I want to dispute that hard XXXX she told me that is not possible. 

I asked to speak to her supervisor at Experian and she said the supervisor would also tell me that any company at any time can do a hard pull on my account without my authorization and without my permission. Therefore she refused to dispute the inquiry. 

She then hung up on me.
Product: Bank account or service

I opened a virtual wallet checking account with PNC Bank under a promotion that offered {$300.00} upon {$3000.00} dollars of direct deposits and a bill pay transaction. To the best of my knowledge I fulfilled those requirements, but after submitting a complaint to PNC, I was told I had not done a bill pay through " their ebilling '' portal. I linked up exterior accounts through PNC and paid them from PNC. They refuse to honor the promotion offered. In addition, there have been several charges made to the account that were not made clear to me upon opening the account. I have been very dissatisfied not only with the lack of clarity in there communication, but also the various customer services representatives I 've spoken to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been working on dispute since XX/XX/2022. While this account was in dispute I was not allowed to make payments on this account, I was notified on XX/XX/XXXX or XXXX that XXXX the original seller had charged off the account for no payments received. XXXX immediately sent my balance to collections because they had let the dispute sit there for 5 months and with no notice or payment options said I needed to pay a debt collection agency. I said no. I have never made one late payment to affirm. That is not ethical. XXXX reported the balance to the credit agencies and stopped me from making any future purchases from them saying that I had not made payments on time,
Product: Mortgage

I have had my mortgage with Fifth Third bank for the past 5+ years since I purchased my home - the bank failed to disclose 1 ) by policy they will not re-assign the mortgage to another bank and 2 ) they recently are no longer authorized to originate loans in New York . 
As a consequence, now that I am trying to re-finance my mortgage, I have to pay mortgage tax AGAIN ( ~ {$7200.00} ) - by not disclosing their policy, I was completely un-aware that I would be effectively penalized for switching lenders. As I understand, it is extremely rare for a lender to refuse to assign a mortgage to another lender. The lender should have disclosed this at loan inception so that I would understand how costly a refinancing could be. 
Furthermore, while it would have been questionable/bad practice to keep borrowers stuck like that, since Fifth Third can no longer do business in New York, I have no choice but to pay more than $ 7K to switch lenders and lower my rate ( currently 5.25 %, well above market ). Fifth Third should have notified all New York borrowers of this change and offered an equitable option. 
With all of the required disclosures, it shocks me that this was not among them. 
I spoke with a loan officer at Fifth Third about this issue and he was rude and very unprofessional, insisting they 're not obligated to disclose this information and giving sarcastic responses. 
I feel disheartened that even as an educated professional I was un-knowingly and un-wittingly cornered into this situation and will be forced to pay more than $ 7k out of pocket to lower my rate. 
Fifth Third blatantly hid important information, it is a deceptive practice that deeply hurts the borrower.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

In XX/XX/XXXX I discovered a collection on my credit report from XXXX and XXXX. I reached out to credit bureau usa. They told me that XXXX XXXX XXXX  sent them info on debt owed. I left XXXX XXXX XXXX. in XXXX of XXXX due to a major roach infestation that persisted over 3mths. After many work orders and phone call about the problem. The apartments never got rid of the roaches they used sub par pest control services and spent months at a time intermittently scheduling exterminator. The problem persisted I had practically abandoned my apartment until finally XX/XX/XXXX I gave notice to move. I moved out XX/XX/XXXX. I was a mth to mth tenant I left due to the negligence and uninhabitable circumstances. The collection agency therefore sent inaccurate info about the issue. My name and address incorrect. Charges were fraudulent and incorrect. Had a {$1500.00} security deposit that I used for rent XX/XX/XXXX thru XXXX, and cleaning exp. They made up a rent increase, didnt provide receipts and are not being accountable for the neglect due to roach infestation for over 3mths. As a result they have damaged my credit with this collection and claim that I owe {$1000.00}. This is in valid I have more proof docs and info if needed not able to upload at this time. XXXX XXXX XXXX and creditors bureau usa have incorrectly spelled my name on legal docs therefore this is not a debt I owe. Also, I have emails showing XXXX XXXX  accounting errors all of this was provided to Creditors.
Product: Student loan

I will try to be exact, but brief. 

I have dealt with XXXX XXXX for a long time. I have been in school or unemployed a long time. This year ( XX/XX/XXXX ) I was worse off than ever before. I had my electricity shut off, and was getting less income than in the past. In the past ( pre-XX/XX/XXXX ), I had a $ XXXX/month payment due to my situation. Yet this year ( XX/XX/XXXX ) I was expected to make ~20usd payment every month. Not awful, but didn't seem to reflect my financial situation in any way. I was worse off this year than in the past, and in the past made {$0.00} payments, so why did this year change? 

They kept asking me for IDR paperwork. I would submit it. They would wait roughly a month, then kick it back to me saying it wasn't correct, and to re-submit. I would re-submit the same thing because it WAS correct. This happened several times. 
I moved in XX/XX/XXXX, and changed my address. Yet they persist to this day, sending letter to my old address. Which adds more time. They send it overseas, it takes 2 weeks to get here, then it's routed to my old address, then re-routed to me. I have tried asking about the account mailing address, but they do no answer about this either. It's correct on the online profile, so I don't know why they keep sending it to my old address. 

Eventually they accepted my IDR. But not after several MONTHS had gone by. With me trying to get them to explain this. Why is this being rejected? It's correct paperwork. Of course I was tacked on to thousands of dollars in fees and late payment stuff etc. 

After finally having the IDR recalculated, and the demand for XXXXusd/month, I asked them why I had to pay anything if I had not had to in the past based on my income. If my income was worse, to the point I had my power shut off here. No reply. 
I repeatedly tried to get someone to look at it, or explain it, or explain why it was rejected originally, or to have these fees removed or addressed by them. No answer. 

After waiting for months, and asking repeatedly for help, and recieving none, I finally made a payment out of fear of defaulting, based on the increasingly aggressive auto-generated account letters they were sending. 

A month later, even though I had made a payment, they claim I have defaulted on my loan. 

I don't understand why, so of course I wrote them. No response in a month now. 
I would not have defaulted if I had gotten even a semblance of any kind of support or help in the last 9 months of trying to get anything on the account serviced. 

From my perspective, they have made the entire process a closed box. I can not get help. Period. It's like screaming into the wind.
Product: Debt collection

During the past month I have disputed the validity of the alleged debt that XXXX  claims is due or owed. In my previous complaint I point out the FACT that there was no written notification sent to from XXXX to me after the company XXXX XXXX XXXX said they would cease and desist with collections. So with that and per the FCRA I should have received a written notification that the negative information would be added to my credit file. I have yet to receive this letter from XXXX  after the case with XXXX XXXX was closed and before the negative information was added to the consumer report. The issue is that there is no meaningful relationship between the consumer and XXXX. There is no signed agreement by both parties making the consumer legally binding to XXXX. The company also in their response sent company sent copies of a statement which doesnt show what was agreed upon, but only a record of the interest rate that was charged. Sufficient evidence would be a purchase agreement and a sworn statement from the original creditor who has first hand knowledge of the account and transaction ( s ). Also in this alleged account it shows the consumer name spelled as XXXX XXXX. I have no knowledge of that person or spelling of their name as my true name is XXXX XXXX  Furthermore pursuant to 15 U.S.C 1692d ( 1 ) debt collectors are prohibited from engaging in any conduct the natural consequence in which is to harass, oppress, or abuse any person in collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries reflecting on my TransUnion report are invalid and not authorized : XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 Despite countless interactions, and requests for these to be removed.
Product: Money transfer, virtual currency, or money service

I sent someone money for hockey tickets. They took the money and never sent me the tickets. I tried to contact them multiple times afterward to refund my money and they blocked my number. XXXX with Zelle does not offer any refund services in case something like this happens, unfortunately there are scam artists out there who take advantage of people and Zelle does not care.
Product: Credit reporting or other personal consumer reports

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 

XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX | XX/XX/2022 XXXX | XX/XX/2022 XXXX | XX/XX/2022 XXXX XXXX | XX/XX/2022
Product: Credit card or prepaid card

I was notified in XXXX if 2021 that a credit card had been opened in my name. I never applied for it, and have since been attempting to close it with no success.I called several times and explained that it was fraud, but since the card was opened in my maiden name ( which I have not used in more than 15 years ) I was not able to provide vailed enough proof that this was not me who opened the card.
Product: Credit reporting or other personal consumer reports

I am writing to express my disappointment regarding your recent claims concerning my accounts. I firmly reject these claims based on the fact that you lack substantial material evidence to support your assertions. As a result, I strongly urge you to promptly commence a comprehensive investigation into these matters. 

Your recent claims have cast a significant shadow over my financial standing and hold the potential to cause severe harm to my creditworthiness. It is of utmost importance that we address this situation swiftly and accurately to prevent further repercussions. 

Furthermore, I want to emphasize my strong rejection of your decision to decline my identity theft claim. The authority to determine whether I have been a victim of identity theft does not reside with your organization but with established legal processes. Your authority or legal standing does not grant you the right to make such a determination on my behalf. 

If you persist in declining my position, I am prepared to take legal action by contacting my attorney to seek a legal remedy. I implore you to ensure that my identity theft claim is processed in strict accordance with the law. 

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

MY BANKRUPTCY SHOWS THAT IT WILL COME OFF MY RECORD ON XXXX MY BANKRUPTCY STARTED IN XXXX SO IT SHOULD BE DISCHARGED XXXX AND ALSO IT SHOWS 2 SEPERATE BK ON MY REPORT AND ALSO I PAID ALL DEBTORS OF BECAUSE MY BANKRUPTCY BACKFIRED
Product: Credit reporting, credit repair services, or other personal consumer reports

I was involved in a fraud event where my personal information was exposed. I was also involved in a data breach at work. I have accounts reporting that are recently showing up that are not my accounts. I also have TONS of new inquiries that are not mine.
Product: Debt collection

Portfolio Recovery is a XXXX company! They have had two accounts on my report, one was removed and another will be and now they are digging up another supposed account that they havent contacted me about in forever. Again not an account I owe ... these people are trying REALLY hard to get money out of me! Crooked crooked and even more crooked!!!!! Funny enough I see one of the accounts was deleted and yet in their last response they still have THREE accounts listed!!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the numerous unsuccessful attempts I have made to rectify fraudulent items on my credit report. Despite my persistent efforts to address this issue, the fraudulent information continues to negatively impact my credit and is in violation of the Fair Credit Reporting Act. 

To provide a comprehensive overview of the situation and the extensive actions I have taken : I discovered several items on my credit report that I firmly believe to be the result of identity theft or fraudulent activity. 

Initial Dispute : Upon discovering these fraudulent items, I immediately filed a dispute with your agency. I submitted all necessary supporting documentation and evidence to substantiate my claim. 

Following the initial dispute, I have requested reinvestigations of the disputed items multiple times. 

I have made numerous follow-up attempts through written letters, emails, and phone calls to your agency, seeking updates on the status of my dispute and the progress of the reinvestigations. Despite my persistent efforts, I have not received any resolution or a satisfactory response. 

The Fair Credit Reporting Act mandates that credit reporting agencies conduct a reasonable investigation of consumer disputes within 30 days of receiving the dispute. Unfortunately, my dispute has not been resolved within this timeframe, which is a clear violation of my consumer rights. 


Initiate a thorough and immediate investigation into the fraudulent items on my credit report as required by law. 

Furnish me with a written response detailing the results of your investigation, including any actions taken to rectify the fraudulent items. 

Promptly Remove Fraudulent Items : If it is determined that the items are indeed fraudulent, I insist on their immediate removal from my credit report. 
Ensure that your agency complies with all relevant laws and regulations, including the Fair Credit Reporting Act. I am asking for your assistance to remoce the fraud items : XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$1000.00} Equifax : XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX  XXXX Balance Owed : {$1100.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  I paid off all credit card debt. XXXX and experian reflected XXXX XXXX balance but never updated my credit scores. I have requested my score and can not get it updated. I now as of today gave 11 account less then XXXX debt and my credit score is not being updated. XXXX is the only one that has reflected a current credit score. 
I want my credit score update and a copy of my credit report.
Product: Credit reporting or other personal consumer reports

Complaint name : XXXX XXXX XXXX complaint dobXXXX complaint ss # XXXX contents of complaint.This cfpb complaint has been filed pursuant to XXXX XXXX that you transunion, experian, equifax credit reporting agencys block delete information that is a result of idenity theft and fraud within XXXX business days of you receiving this complaint.There is XXXX fraudulent inaccurate accounts : # XXXX XXXX XXXX acount # XXXX balance of {$63.00} opened fraudulently on XX/XX/year> # XXXX. XXXX acount # XXXX and # XXXX XXXX XXXX XXXX XXXX acount XXXX balance {$500.00} # XXXX XXXX XXXXk acount # XXXX balance {$1400.00} # XXXX. XXXX XXXX  acount # XXXX balance {$26000.00} these accounts was not opened made or initiated by me.i am attaching the FTC report # XXXX as proof.delete the aforementioned accounts within XXXX business days or I am filing a lawsuit and demanding {$1000.00} per violation of my federally protected rights under the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.these accounts are the result of idenity theft/data breach.
Product: Vehicle loan or lease

I purchased one vehicle from these individuals in XXXX XXXX 's little did I know that the vehicle needed a new motor shortly after purchase so I went back to the XXXX XXXX 's office to see about securing a personal loan of XXXX to repair the truck so after getting the loan I had the truck repaired 3 days after getting the vehicle back it was totalled by no fault of my own I did purchase the gap insurance and I was having difficulty making the payment I was told by the manager to let it get behind so I could do a differment so I did now I'm being penalized for something I was told to do I have tried to refinance but to no avail because they refuse to send any paperwork to the bank all the above money due has been reported to the credit bureau and it shouldn't be it all should have been resolved between the gap insurance and XXXX paying the truck off so now they continuously harassing me about making these payments what's really going on are they allowed to just do what ever they want? 
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/2020, I received forgery check from USBank amount {$2400.00}. It was counter withdraw from my checking account, but never been deposit.
Product: Debt collection

The final billing from the vendor ( XXXX DBA XXXX ) for utilities related to a lease agreement did not include validation of the amounts billed as related to administrative fees and proportional billing method ( no individual meter per unit ). The bill included charges for service for administrative fees and for a billing period after possession had been transferred. 

Information was requested for validation and not responded to in a method that could validate the amounts. The vendor was repeatedly asked for validation and clarification ( for which email documentation exists ) and would not provide, but sent the bill to collections. The billing included amounts accumulated for additional fees and amounts that not disclosed in the lease agreement and therefore not allowed according to the revised statutes of AZ. Also, the billing included charges for utilities after possession of the unit had been transferred back to XXXX. XXXX was requested to adjust the billed amount accordingly. Rather than adjusting, they sent the bill for collections. 

The lease agreement was for the period of XX/XX/XXXX to XX/XX/XXXX. Possession of the unit was transferred back to XXXX on XX/XX/XXXX and electric utilities were stopped ( included for information but not related to billing ). XXXX began renovation of the unit ( XXXX ) immediately and were utilizing utilities. 

My repeated attempts to clarify and obtain an accurate bill amount were not fruitful. 

The final billing was {$66.00} of which {$36.00} was for the period of XX/XX/XXXX to XX/XX/XXXX ( this period was after transfer of property back to XXXX ). Also, during the term the billed amounts included a administrative fee of {$3.00} per month for 11 months : {$38.00}. ( this amount was not disclosed in the lease contract so, by law not valid ). 

If both charges are invalid, the amount owing is $ XXXX If the Admin fee is valid but the final month not valid, the amount owed is {$30.00}. 
If the final month is valid, but the admin fee not valid, the amount owing is {$28.00}. 

As stated in my communication, paying the correct amount is not the issues, but having XXXX provide an accurate billing with proper disclosure of calculation and validation is. 

Thank you for any assistance you can provide.