23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

My landlord uses Appfolio to collect rental payments virtually. Understandably, fees are charged when a consumer pays with their credit card or debit card. However, Appfolio has decided to charge a {$2.00} fee per ACH payment. To my knowledge, processing these payments does not require that steep of a fee. This feels to me as a junk fee similar to the junk fees that are charged by mortgage lenders when people pay their mortgage payments. Renters are given the choice of landlords however they are not given a choice of who will collect their payments online.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information on my credit report XXXX is refusing to take off the negative information and investigation team is not doing their job. My bankruptcy is zero owe and zero claim.counts are fully paid off and never been late.
Product: Credit reporting or other personal consumer reports

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 The Fair Credit Reporting Act ( FCRA ) emphasizes the importance of consumer reporting agencies acting fairly, impartially, and respecting consumers privacy rights. Equifax and XXXX fall into this category, and as a consumer, I have the right to protect my private information. The FCRA ( 15 USC 6801 ) also places an obligation on financial institutions to safeguard customer privacy and confidentiality. 

According to 15 USC 1681 section 604a ( 2 ), consumer reporting agencies can only provide consumer reports with the written consent of the consumer. Neither Equifax nor XXXX, nor the entities furnishing information to credit agencies, have obtained my consentwhether verbal, written, or implied. 

Furthermore, 15 USC 6802 ( b ) ( c ) requires financial institutions to inform consumers about their right to prevent the disclosure of nonpublic personal information to third parties. However, I was never informed of this option by the entity providing information to credit agencies. 

Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in consumer reports without proper authorization. Equifax and XXXX compliance with this provision is questionable. Similarly, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies.

Lastly, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to prevent violations of the FCRA. Unfortunately, it appears that Equifax and XXXX may not be fulfilling this requirement. 

In summary, Equifax and XXXX actions appear to violate various provisions of the Fair Credit Reporting Act and related regulations. As a result, I am opting out of their reporting services.
Product: Credit reporting

I am filling this complaint because my multiple requests have been ignored by Experian. I have requested to be provided with documents that their company has on file that was used to authenticate and verify accounts shown on my credit report, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be authenticated and validated with accuracy, that I disputed. 
I originally mailed a letter on XXXX XXXX, 2015 to Experian requesting verification and validation of multiple accounts reporting in error. There were account that remained on my report but I never received validation or verification of the accounts. I followed up with a letter on XXXX XXXX, 2015 and again on XXXX XXXX, 2015 requesting a re-investigation. Once again accounts remained on my Experian report but I did not receive validation or verification of the account. 
The following accounts remain on my report without being provided authentication or validation the information is in fact accurate : State tax lien Fed XXXX lien XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Please resolve this manner as soon as possible as I have attempted multiple times to be provided with evidence of these accounts and have yet to receive any validation or verification of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am tired of going back and forth with XXXX, Equifax, and XXXX for the same inaccurate information on my credit report for the last 3 years!!!!! 
Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! This has caused me not to get approved into a home and not being hired I have been going back and forth with the bureaus for over 17 months for the same accounts below! I ask that you delete these accounts immediately and I want to get compensated for each violation as stated in 15 USC 1681N!!! These are violations and effecting my everyday life all XXXX accounts are inaccurate as they have date of last activity different with each credit reporting agency as well as other inaccuracies as they are reporting inaccurate dates and amounts for all 3 credit reporting agencies!!! Delete accounts immediately as it states in the FCRA. XXXX XXXX and XXXX XXXX also reports several inaccuracies and need to be deleted immediately from all 3 bureaus. I am completely exhausted of the back and forth and am actively seeking litigation!!!
Product: Credit reporting or other personal consumer reports

I XXXX XXXX is a victim of identity theft. THE ACCOUNTS DO NOT BELONG TO ME AND WERE UNAUTHORIZED. I ALSO WAS AFFECTED BY XXXX XXXX XXXX. MY PERSONAL INFORMATION WAS LINK ON DARK WEB
Product: Payday loan, title loan, or personal loan

I applied for QuadPay through their app. The only information needed is my name, email address, home address, phone number, and a debt/credit card. Upon filling out all the required information, I was told that I was unable to be approved to use QuadPay. There is no credit check ran for the use of this service. I contacted customer service on XX/XX/2020 to see why I was unable to get approved. After the rep told me she would investigate further to see what the issue is. After stating she investigated, she told me again that I was unable to be approved for the use of QuadPay. When I asked why that was, she stated that they can give that information. After asking why they couldnt give that information, she stated its because of fraud. Based of the required information during the registration for the service, theres nothing that would indicate fraud taking place. As previously stated, the only required information for this service is Name, email address, home address, phone number, and a debt/credit card. I feel as though this company is discriminating against people for either their name or geographical location, because like I said before, there is no credit check for this service.
Product: Vehicle loan or lease

This dealer advertised a price of XXXX for a XXXX XXXXXXXX. Before we even got to the tax, tag and title they charged an additional XXXX for a service package. I asked them to remove it, they declined. I clarified that this fee is in addition to the dealer fee of XXXX. I asked for a copy of the breakdown and the manager declined. I asked if this was legal and he got very angry with me. A car that was listed as XXXX ended up being {$22000.00} out the door. 

Nissan of XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two " hard inquiries '' on my credit reports. 
They are from : XXXX XXXX dated XX/XX/XXXX and XXXX about the same date. 
Someone is trying to get credit cards in my name. 
I have not applied for these cards. 
The hard inquiries have lowered my crdit scores. 
They will stay on my credit reports for two years. 
I am trying to buy a new vehicle and these inquiries have lowered my score to where I now may not qualify.
Product: Debt collection

DESIGNED RECEIVABLE ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX, CA XXXX XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you DESIGNED RECEIVABLE or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to XXXX of XXXX. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DESIGNED RECEIVABLE or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX XXXX, SC XXXX
Product: Debt collection

PROFESSIONAL DEBT MEDIATION SENT DEMAND NOTICE FOR FRAUD ACCOUNT NOT MINES ... 2 DIFFERENT COMPANIES ( XXXX XXXX and Professional Debt Mediation ) ASKING FOR SAME PAYMENT VIOLATES FCBA/ FDCPA AND ACCOUNT OUTDATED 2012, VIA CONSUMER LAW ; GEORGIA STATE STATUE OF LIMITATION OCGA 9-3-23 AND OCGA 9-3-25 HAS EXPIRED TO COLLECT ACCOUNT OVER 7YRS OLD ... NOTE : FORMAL COMPLAINT FILED WITH " BBB ''
Product: Debt collection

A robocall was received from XXXX on XX/XX/2020 that went to voicemail leaving the same call back number. Internet searches reveal this to be " XXXX XXXX XXXX XXXX '', a company known for fraudulent calls and harassing people. My number is only used for a few close friends and there are no debts in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize for my credit to be reported
Product: Credit card or prepaid card

Chase Bank refused to correct an unauthorized charge on my Visa card. Please see attached letter dated XX/XX/2019.
Product: Mortgage

I am writing today because I need help.

I have an Impound account with my Mortgage company.

I have been with them for many years and they are responsible to pay my taxes And insurance on my home. This past month I was dropped by my insurance company Because the mortgage company paid my insurance a month late.

Now My home has no insurance.

Who should I contact? This seemed illegal. I trust in my mortgage company to pay on time and they failed To do so is there anything I can do.

I have contacted an attorney as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX  XXXX {$39000.00} XXXX XXXX XXXX {$3900.00} XXXX XXXX  XXXX {$1700.00} XXXX XXXX {$250.00} XXXX XXXX {$990.00}
Product: Debt collection

I am reporting a fraudulent auto loan account that has appeared on my credit report as a result of identity theft. The account details are as follows : XXXX XXXX : An auto loan account opened on XX/XX/year>, with a reported balance of {$37000.00}. This account is marked as Collection/Chargeoff, with comments indicating it was charged off as bad debt and that no payments were ever received. 
I did not open or authorize this account. It has negatively impacted my credit report by introducing a fraudulent hard inquiry, derogatory remarks, and collections activity. 

I have taken action by filing an FTC Identity Theft Report and disputing the item with the credit bureaus. 

I request that this fraudulent account and all related entries, including associated hard inquiries and derogatory remarks, be removed from my credit report as soon as possible, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ).
Product: Mortgage

In XXXX Wells Fargo refused to work with me on a loan modification, causing me to file for bankruptcy from XXXX to XXXX. My lawyer had to work with them to save my home. They ended up selling my mortgage to another company in XXXX or XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Team, It is been observed in my today 's report that my credit score is only XXXX. 
I am totally dissatisfied with the current report which is been reflecting on credit score portal. 
Even after maintaining my all the current loans at place where I haven't missed any of my due, Then too it is reflecting so bad credit score which I believe as per my knowledge it is totally incorrect as I am aware that credit score goes down in that scenario where any individual miss out their due 's. 

Wherein I am paying all my ongoing due 's on time since XX/XX/2017 if you will check my XXXX  track records you will never find that I have missed any of my due 's. 

May I know the exact reason on how you people are judging my credit score & on what basis? 
It is so disgusting where today even after maintaining such a good records I am unable to get any further loans where I am totally eligible on basis of what my current track is. 

So request you to kindly cross check your database and please improve or rectify my credit score from pathetic XXXX to more than 750 which I was already having few day 's back.So that I can easily go for further requirements. 



.
Product: Student loan

Student loan information on XX/XX/XXXXand XXXX XXXX, this is illegal and is protected by FERPA
Product: Debt collection

Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX MN XXXX Trying to collect on a debt I did not initiate.
Product: Credit reporting or other personal consumer reports

I hereby submit this formal complaint against TRANSUNION, expressing my profound dissatisfaction with their oversight in permitting fraudulent accounts to tarnish my credit report. Having initiated an FTC report with the corresponding identity theft report number XXXX, I am dismayed to discover that these fraudulent accounts persist on my credit report despite my efforts. My expectation was rooted in the belief that TRANSUNION would serve as a stalwart guardian of my personal information, ensuring the delivery of precise and secure credit reports. Regrettably, this breach of trust has left me questioning the reliability of their commitment to safeguarding my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the department of Education back in XX/XX/XXXX I was told if I submit documentation that I was having extreme financial difficulties to send in my paperwork and they would remove the late payment from XX/XX/XXXX. I sent all the necessary paper work and a letter to explain I was having a mental break down during XXXX. My mother passed away from XXXX XX/XX/XXXX, I was in a XXXX XXXX, I was diagnosed with XXXX in XX/XX/XXXX I was back and forth in the emergency room because they had no idea what was wrong with me. In XX/XX/XXXX my XXXX daughters were in a terrible car accident my XXXX daughter almost lost her eye and needed XXXX  XXXX. I explained this to them I sent in my mothers death certificate and a copy of the accident with my daughters names listed and copies of their birth certificate as proof I was their mother. The department of education still refused to remove the late payment from XX/XX/XXXX. 
I also sent a dispute letter to XXXX, XXXX and Equifax for the following violations : CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
MY RIGHTS HAVE BEEN VIOLATED! FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer report which CONGRESS clearly states IS NOT to be included on my CONSUMER REPORTS.
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. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent itemsin my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Debt collection

I been send to a collection company which is from XXXX XXXX. I been trying to deal and pay because I need renew my license and this give me problem. I ask for validation which company just send me what he think I owner and no accurate the real debt the XXXX  give me a {$1.00} credit because my hardship but the collection refuse to take this out I have letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX an attorney general but the collection company refused to accept the credit as gives to me
Product: Mortgage

My loan has been sold at least 4 times since XXXX, I ended up with a Company called mr. Cooper. 

Since XXXX, our insurance company has sent documents to prove that the property has continuous insurance coverage. 

Mr. cooper sneaked the account into insurance escrow, and reallocated additional monthly payment, off and on when one is too busy to catch it. My account should never be escrowed as I pay all taxes and Insurance yearly. 

I have spoken to, at least 20 people over the past 4 years, as at times my normal payment was received, but reported as late or past due, because of the added escrow amount on the standard automatic bill pay payment I had set up with my bank. 

This year, I was determined to bring this stressful deceitfulness to a head. 
I got my insurance agent and mr. cooper escrow representative on the line, I waited from XX/XX/XXXX to XXXX, for all insurance documents to be resubmitted and received with acknowledgement from XXXX in the escrow Dept, who finally promised the escrow flag will be removed from my account, and a refund will be sent. Ive had to make another 5 calls since then to get a response about my refund check. 

It is now XX/XX/XXXX, I still have not received my refund, nor a return call from Ms. XXXX, at XXXX, the supervisor of the complaint Escalation Dept I spoke with her one time only, she confirmed the escrow was removed from all of their various data base, and promised to get the escrow department to send my check promptly, that was since XX/XX/XXXX when I spoke to her, she promised refund will be received by me by the latest XX/XX/XXXX. 
I have been leaving her messages since for XXXX, she has not returned my call. I have been giving the run around for the refund of a minimum of {$1600.00}. Plus I truly believe mr.cooper is a deceitful company that the government must pay very close attention to. Their company is set up so that the left hand has no knowledge of what the right hand is doing, but I believe it is their perfect design to prolong resolving issues, to wear down the consumer. The employees know about their tactics of deceit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information and accounts that are reporting on my credit file that does not belong me. Please assist me in getting these items removed : XXXX  ( reporting 3 times ) on XXXX  XXXX - XXXX, XXXX, Experian XXXX XXXX - XXXX  These accounts are reporting due to fraud.