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

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX  XXXX housing approved currently receiving benefits snap and XXXX XXXX XXXX Applied at the XXXX XXXX XXXX  in XXXX nj XXXX for a XXXX bedroom apartment. XXXX XXXX gave a maximum rent of {$1700.00} with utilities. I was not approved, reason transunion. Need assistance, I need a place to live. Having credit problems not able open bank account loans credit. Why?
Product: Debt collection

The debt collector reported a debt to the 3 credit agencies on my behalf on a debt I never received mail or even knew I have because all my medical bills are paid through insurance
Product: Mortgage

I sold my house. I requested a payoff as did escrow. We did not receive the payoff until I submitted a complain with you. I finally received my payoff and they added XXXX to the payoff for " estimated additional charges through XXXX XXXX County property taxes '' I have an impound account that has XXXX in it. Property taxes are not due in California until XXXX late after XXXX XXXX. My account was payoff on XXXX XXXX. There is no reason they should have added that to the payoff. I called in and they say they do n't know why that was added but it has not been added to my impound account. I should receive a full refund of what is left in my impound account plus this XXXX. They statement I am providing you is from XX/XX/2015. they are no longer sending statements but instead a coupon with no loan information. It states you can only get loan information by going on their website. Since my account is paid off I have no access to their website Many people do n't have access to computers. I do n't know how they can not send a statement with no information. I have included my payoff I received, my XXXX 2015 statement and the XXXX coupon. I want to make sure this company gives me back my impound account plus this additional XXXX of my money they took that was not needed. This company has been very hard to deal with. I can get no answers from customer service. I appreciated your assistance in this matterElizabeth LongdenSeterusLoan # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In 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 privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Vehicle loan or lease

Last year in XXXX my vehicle was wrongfully reposed without any notice.
Product: Checking or savings account

Called TD bank on XX/XX/2019 @ XXXX spent on hold for approx. 20 min to talk to a rep named XXXX from call center XXXX Maine who I advised that I can provide my SSN number to access the account. XXXX advised that certain security questions would need to be answered in order to assist over the phone, all questions asked were accurate and complete however XXXX still flagged the account as unverified and refused to assist advising that I would need to go to the bank for assistance. XXXX refused to assist any further at which point I asked to speak to manager who also advised on me having to go to the branch for assistance. The supervisor who took the call would not give complete name and simply said her name was XXXX from call center in XXXX XXXX. NJ. TD bank is self advertised as being a very convenient bank however it has been very inconvenient to me as the customer with very limited time and patience to visit a local branch.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here we go again. Every 2-3 months my credit file is incorrect, wrong, and screwed-up. XXXX  permits it and they are complicit with the reporting company. It is fraudulent and unfair. I am really tired of filing complaints against XXXX. They keep putting someone else or a family member 's address on my credit file. They keep putting XXXX XXXX. and Transworld System Inc. fraudulent debt on my credit file. It ISN'T fair! It caused me a XXXX. mortgage loan. It ISN'T unfair! XXXX  will not let me breathe and they stubbornly refuse to take their knees off my neck. I have sent my proof of identity to them several times. I am getting XXXX by XXXX  in broad daylight. Please help. Sadly!!
Product: Credit card

I ordered a laptop expected to deliver XX/XX/XXXX. I did not to this day receive the laptop. The merchant is non responsive and Apple is closing the dispute. I now have neither the laptop nor the funds. Apple is not protecting me if I knew this I would never use my Apple Card
Product: Credit reporting or other personal consumer reports

I still see that my information is being mishandled and inaccurately reported, prompting me to refile this complaint with EXPERIAN. Upon reviewing my credit report dated XX/XX/2024, I discovered a derogatory entry that I was previously unaware of, containing inaccurate details such as payment history, status, opened date, and date of last activity. In accordance with 15 U.S.C. Section 602 and 15 U.S.C. Section 604 A Section 2, I wish to assert my right to privacy. It is emphasized that a consumer reporting agency is not permitted to disclose an account without my explicit written instructions. I have attached the FTC report with report number XXXX to support this complaint.
Product: Mortgage

A mortgage I have on my home was recently taken over by Myloancare.com. They have been very difficult to communicate with since dealing with them. We attempted to make a payment and recieved an email confirming that a payment had been recieved, but we have not yet seen the money deducted from the bank account that I authorised them to use. I feel like I am being set up for them to forclose on my home and feel helpless to do anything about it.
Product: Mortgage

Rushmore was repaid in late XX/XX/XXXX for past due amounts totally {$18000.00}. This repayment included CORPORATE ADVANCES for {$5700.00}. Foreclosure fees of {$410.00}. 
I made my first payment to them in XX/XX/XXXX for XXXX and ask for update payoff in which I received. 
My update payoff included another CORPORATE ADVANCE fee of {$750.00}. 

I am XXXX years old and have this property listed with my realtor in which I DEMAND Rushmore refund me ALL CORPORATE advances due to DODD FRANK rules and REMOVE the XXXX current charge on my payoff.
Product: Debt collection

On XX/XX/22 I paid XXXX a XXXX XXXX company XXXX $ that was in collections and I started a new policy with them as well. I called them multiple times asking them to remove it from my credit report. The representative told me there was nothing she could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection any debt
Product: Credit reporting

XXXX, DE XXXX Re : Unauthorized Credit Inquiry I recently received a copy of my Equifax credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing on XX/XX/2015. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 

Thanking you in advance, XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, someone took an online loan under my name of {$3200.00} at a bank called XXXX XXXX XXXX with an interest rate of 179.50 %. 
I tried calling the bank and they are requesting a lot of personal information from me including soso al security number un order to verify my identity. I never requested a losn from them. They have a contract under my name, but with a fire tent address from another state, which I never lived there. 
They sent me an email with my contract which I never signed. 
The bank does not seem like a real bank and when I looked them up online it looks like a lot of people is going through the same issues. Opening accounts and stealing peoples identity. 
I filed a police report and I am still waiting to resolve this issue. 
XXXX XXXX XXXX is stealing peoples information and giving fraudulent loans with ridiculous interest rates.
Product: Credit reporting or other personal consumer reports

This is the 9th time and it's still inaccurate and incomplete information this account is showing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) in the XXXX report. XXXX don't even have payment history Transunion showing no payment history. XXXX has this account as an collection XXXX and transunion as this account as a charge off. Remove this account immediately!! 
So experian has failed to complete the inaccurate and incomplete information. 

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

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

My personal information was used through the mobile site and this no resolution.
Product: Payday loan, title loan, or personal loan

In XX/XX/2016 I was the victim of a data breach and someone opened accounts in my name with MobiLoans and XXXX XXXX XXXX. I have sent several letters to both companies and fraud affidavits with no luck. Mobiloans refuses to investigate even though a proper dispute was filed. They keep stating they need my dl, utility bill and a police report. As far as the Fair Credit Reporting Act I only need to provide a fraud affidavit which they have. Mobiloans says they will no longer correspond with me even though I sent a letter to dispute the debt on several occasions. 

Both of these companies are refusing to investigate or remove them from my credit report. ALso both of these companies are illegal to operate in the State of Texas. I have a letter from Mobiloans stating they will no longer address my correspondence as I have questioned the legality of their company.
Product: Debt collection

Several weeks ago I contacted the Nelson Cruz and Associates company and indicated that I have an account in my credit report that does not belong to me and is hurting me at that moment, especially by Mrs. XXXX XXXX and she told me to send her by email the police report and all my documents. It has been several weeks of this and I have not received an answer, today I contacted the company and they passed me to a manager named XXXX XXXX. He tells me that the account is finished investigating and they determined that the account does not belong to me because they do not have any information about me and he told me that the company 's lawyer said that the account stayed in my XXXX  report because this is a old account and he's not going to delete it even if it's not mine. He told me that the best thing I can do is pay it off and forget about making a dispute. I explained to Mr. XXXX that this account is not mine that I was a victim of identity theft and he tells me that they do not care and that I have to pay and that since the account is {$700.00} I can not sue them. At the end of the last thing he told me I tell you a secret, we do nothing with these police report send it directly to XXXX and forget about this process.
Product: Credit reporting or other personal consumer reports

Continue to report inaccurate information on consumer report, defaming my character and harming my livelihood! Claiming to have a relationship that is not verifiable or accurate!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX2022 
XXXX XXXX XXXX fin
unauthorized inquiry

XXXX/2022 nissan motor acceptanc
unauthorized inquiry

XXXX2022
XXXX XXXX XXXX
unauthorized inquiry
Product: Money transfer, virtual currency, or money service

I have submitted all my personal information to Venmo and emailed them numerous times. They finally have contacted me back today and stated they still could not give proper reasoning to why my account is closed. I want full details or my account reopened.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block Inc ) due to inaccurate service and unfair practices, which violates the consumer financial protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, the dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under their electronic funds transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress, for these violations.
Product: Credit card

I got this cc in XXXX, when I was making {$8.00} an hour. Over the years they kept raising my limit and I ran it up to the XXXX limit. My parents have been giving me the money to pay the payments for the last few years. I'm getting nowhere the interest is so high and I don't make much money. Not even enough to pay rent and live on. They were calling, I didn't answer then I wrote them a letter and had my mother join me on a call with them. My mom offered to pay them {$3000.00} to settle and they said no, they made two counters offers but my mom said she couldn't pay that much. I don't have any other credit cards I just want this to be closed and done with. It has destroyed my credit, I don't know what I will do if I have to buy something I need like a car. I barely live from paycheck to paycheck. I couldn't work for a while as I had XXXX XXXX and had to have an operation, which also took a toll on me financially. I never realized how quickly I would get into trouble with credit cards, I should have never been qualified to have a XXXX limit based on my {$10.00} an hour job.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported me as thirty days late for the months of XX/XX/XXXX and XX/XX/XXXX, 2017. I have never been thirty days late on this loan. I disputed it and they did report it as never late to the three bureaus which reflected it correctly for two days in XX/XX/XXXX, 2017, They have reported it as late for thirty days for the same months again! I have called them four times and still they are reporting it incorrectly!
Their erroneous errors have cost me over {$15000.00} in my credit line as several credit lines have been reduced due to their errors!
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 & # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

My US Bank account said I had over {$500.00} in it. And so I was spending accordingly. Then come to find out their app was incorrectly displaying more in my account than they're actually was and they ended up over drawing my account over XXXX XXXX dollars when the decided to correct it .... I don't feel like I should have to pay for their error. I don't overdraw my account. That's not something that happens. But now i'm negative... They're explanating as that they sent a notice. Why wouldn't they just simply deactivate the app so that we wouldn't be able to access it and see the incorrect amount in our bank accounts? Now I have to pay for their technical error? That doesn't seem fair.
Product: Credit card or prepaid card

Is there something attached to my personal information where I'm possibly linked to someone or something? No matter what falls off my credit or how I'm in process of repair. For 3 years straight. Everything thing I apply for, even the most redundant application, is always immediately an out right NO. It's affecting my life in the most detrimental way and having huge negative effects on XXXX XXXX. Enough is enough. Please advise if I am under a redflag or list that blocks all approvals. Or please advise. I have reviewed most credit reports and don't see anything life altering. Thanks.
Product: Vehicle loan or lease

US BANK purchased our contract on a camper sold to us by XXXX XXXX on XX/XX/2021. 

As of today 's date, we have been unable to register, title, or get license plates for this vehicle. In short, we've already made three payments on the US Bank loan, but can not operate the vehicle legally. We've also paid for insurance on the vehicle, which, again, can not be legally operated. 

We have tried multiple times to resolve this issue through various customer service reps. We get a new rep, each time, because US BANK will not freely give out contact information for the reps. US Bank will not give us a single source who will see the problem solved through fruition. Each rep makes notes, which are mostly incomplete, and then they do not follow up to see if the issues are resolved. We then contact customer service again, and the cycle repeats. 

XXXX XXXX collected sales tax for our state of residence, but then sent the title electronically to US Bank, who now holds an Electronic title NOT in the state of our residence. 

US Bank will not contact the state of our residence to initate a " State to State '' transfer of title, which would enable us to properly register and plate the camper in our state of residence.

We've contacted our State MVD numerous times. They requre US Bank to contact them. We've contaced US Bank numerous times. They don't initiate contact with MVD 's, they instead require Arizona MVD to contact them ( via FAX ). 

Since Arizona has not used obsolite FAX communications for some years, we are stuck in an endless loop of finger pointing. 

In the mean time, we are paying on a camper we can not use. Most recently, US Bank has said that they will transfer this problem to their " Collateral State to State '' transfer team. 

However, they will not provide contact information of any kind so that we can monitor and get follow up on progress to resolve this endless loop. Transparency does not seem to be the order of the day in US Bank 's customer service structure. 

We have threatened to stop making payments until this issue is resolved and we can operate a vehicle which we've paid a lot of money for. But nothing seems to motivate them to resolve a problem that has lasted for more than three months.
Product: Debt collection

I had a mortgage with XXXX XXXX XXXX and the home was short sale in XXXX. XXXX agreed with short sale and now still has a third party Dyck Oneal collecting payments. I had no agreements with Dyck Oneal in regards to mortgage payments. XXXX got paid on the sale and now this third party is still collecting monies from me after all the fraudulent processes, unfair lending practices and unscrupulous transactions that were done by the banking industry before the housing crisis. At this time this balance reported of {$15000.00} needs to be removed from my credit report because I do not owe nor own that mortgage
Product: Mortgage

Lender never issued XXXX Mortgage interest statement for mortgage interest pain in year 2013. As all interest was paid in full from the sale of my home, I should have received a XXXX statement for tax year 2013 which accurately reflect total mortgage interest paid to Seterus Inc .
Product: Credit reporting, credit repair services, or other personal consumer reports

Unconscionable that credit bureaus charge for consumers to temporarily unfreeze an account when applying for new credit. Consumers have less and less control and protection over their data that is collected and exploited without their permission. Charging fees to temporarily lift a freeze ( the TINY bit of control offered to consumers ) is just adding insult to injury. These fees should absolutely be illegal.