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

This company gave false information on their website on how they determine credit approval. It clearly states that they do not perform a credit check, but obtain banking information, and the ability to pay back, and that a social is not needed to apply, with that being said i applied, was denied, and that obtain my credit report which lowered my score, i submitted a dispute to Experian already, but would like the company to remove the HARD INQUIRY since they are the ones who accessed my credit report without my consent. Below is a email between me an a representative of the company : Hi XXXX, Thank you for your message. In the process of completing your application you gave consent for your credit to be pulled by us to complete the evaluation of your application. Because of this we are not able to remove the hard inquiry on your credit report. 

If you wish to dispute the inquiry you can make the request directly with Experian. 

Best, XXXX Team -- XXXX XXXX from XXXX XXXX 
Powered by XXXX  On Tue, XX/XX/2018 at XXXX XXXX, " XXXX XXXX '' XXXX wrote XXXX Please remove the hard inquiry Sent from my XXXX On XX/XX/2018, at XXXX XXXX, XXXX Application Processing XXXX wrote : https XXXX XXXX XXXX XXXX, Thank you for your recent application for credit . We regret that we're unable to approve your application at this time. Your request was given careful consideration and based on the information provided, you were declined for the following reason ( s ) : Did not demonstrate a sufficient ability to pay Our credit decision was based in whole or in part on information obtained from an affiliate or from an outside source other than a consumer reporting agency. Under the Fair Credit Reporting Act, you have the right to make a written request, no later than 60 days after you receive this notice, for disclosure of the nature of this information.
Product: Mortgage

I have contacted the company about having the PMI insurance being dropped as I have met the requirements to do so.They insist that the rules for this are different for my loan and the PMI will remain. I have spoken with my account who has reviewed the paperwork and he agrees that it should go away based on the current value of the home ( XXXX ) vs the amount of the loan currently ( XXXX ). Wells Fargo said that this is based off the original value of the home, not the current value, but even if that were true my home was valued at XXXX when it was purchased. 

I feel like I am being strung out to pay this additional @ XXXX each month for no reason, and if this was taken care of when I had called originally over 2 years ago, I would have saved over {$4800.00} in that process. 

I am also looking to have a real estate attorney look into this as well, but wanted to have something documented since this bank has a reputation of shaddy practice.
Product: Credit reporting or other personal consumer reports

My student loans are paid off ; however, Mohela has reported 3 accounts on my credit report with balances. This needs to be reported as closed or removed.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to bring attention to TransUnion 's ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ). Despite my repeated disputes regarding the reporting of two inaccurate XXXX XXXX accounts, TransUnion has not taken corrective action. Each time, TransUnion merely verifies the accounts without any valid documentation or explanation of their verification process. This negligence clearly violates FCRA standards, specifically 15 U.S.C. 1681i ( a ) ( 1 ), ( a ) ( 5 ), and ( a ) ( 6 ), and constitutes a willful disregard of required verification procedures. 

In support of my request for compensation, I am attaching Invoice # 1, requesting {$1200.00} for damages related to these repeated FCRA violations under 15 U.S.C. 1681n. This invoice represents a minimum of {$100.00} per violation across six specific disputes, all submitted through the CFPB. 

Demand for Action : TransUnion must DELETE, XXXX, XXXX, and XXXX these two XXXX  XXXX accounts from my credit report immediately and issue full payment for the {$1200.00} invoice attached. Failure to comply will result in further legal action to enforce compliance with FCRA standards. 

Thank you for your prompt attention to this matter.
Product: Debt collection

On XX/XX/XXXX I received a letter from trueacord allegedly saying that I owe money. I don't know what they are talking about I don't recognize that the letter was sent under a similar name. That I believe is not me.
Product: Payday loan, title loan, or personal loan

I am financially strained. I know 2020 has hit a lot of people hard. My mom got sick and could not provide child care, so I had to find child care. Then my father had a massive XXXX and had to have XXXX XXXX. I have been trying to help them. My husband got hurt at work and then was terminated due to COVID. He is trying to get the workers comp case taken care of, so he is not on unemployment. I have XXXX children and I am the only one working. I can not continue to pay the {$100.00} plus every other week and it not be making a dent in my balance.
Product: Mortgage

Fleeing XXXX husband, I left my home and started over. My husband remained in the home with all possessions. XXXX would not aid in the return of my possessions or childrens possessions. This was in XXXX. In XXXX, my husband had me sign a paper saying I no longer provided income in the household so that he could modify the mortgage agreement. To my knowledge all was paid and fine. In XXXX XXXX I find out my husband has moved from the home and there is a for sale sign in the yard. I called the realtor and asked had the bank taken the home and what was going on. The realtor could not tell me any information. Although the for sale sign was in the yard, she did not know anything. She stated the locks have n't been changed and she assumed someone was still living in the home. I called Chase Bank ( mortgage company ) and spoke with them. No information on foreclosure but the taxes had been paid. I went to the court house later in XXXX and looked at the file on record. Therr was minimal information and I did not understand the material due to a XXXX XXXX XXXX. I recently went back to look at the file again. There are now a stack of documents in the file dated for XXXX that were not in the file. I found it odd that notaries from surrounding states were used and the notaries were employed by the law firm agency who was the substitute trustee on the house. I do not understand these papers. My home was sold for XXXX and the loan was for XXXX, yet the tax value is XXXX. I 've believed this to be a scam from the beginning. Also, I was not properly notified of the forclosure. The file now contains a form saying my copy was left with my husband, who did not inform me of the foreclosure. These forms were not in the file previously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for the XXXX XXXX XXXX Credit card on XXXX  XX/XX/2022 through XXXX XXXX. On my transunion credit report it is showing 3 inquires when I only applied 1 time. I contacted Transunion and they told me to contact the lender to get a deletion letter. I contacted XXXX XXXX  and they said they only show 1 inquiry and that they couldnt help me and told me to contact Transunion to get it removed and when I explained I had already contacted them they told me there was nothing they could do. Can you please help? Transition said I could also have a report from the FTC to get this removed.
Product: Checking or savings account

Marcus by Goldman Sachs advertised a CD at 5.5 % and when I funded it with {$300000.00} they didnt not disclose the rate was lower until after the account was funded on XXXX XXXX at which time I immediately called to reverse the transaction and was told I needed to wait the security period but was assured there would be no early termination fees due to the situation. Ill cut to the chase and say after repeatedly being given the run around for weeks and changing excuses why the account was not closed it was finally closed and the ACH back to XXXX on XXXX XXXX was only {$290000.00} when on XXXX XXXX the CD statement said I had {$300000.00} and was still earning daily interest. I was repeatedly promised over and over across multiple calls by multiple customer service agents that I would be fully refunded which obviously didnt happen. When I called back to find out what happened they said this is happening to others and they dont know why but when they closed the CD they said they didnt charge early termination fees but somehow I did not get the whole amount. Marcus is withholding over {$7500.00} of my money and Ive been given nothing but the run around. Ive repeatedly asked for copies of the recorded calls and have not been provided them. Ive been passed from department to department and the story always changes about what I need to do next and quite frankly amount to nothing but delay tactics to withhold my money. By far the worst banking interaction Ive had in 40 years. Give me my money back that is owed with all earned interest.
Product: Debt collection

I sent a Letter on XX/XX/2023, here is my Certified Mail Number XXXX, to remove an inaccurate account that I do not want on my credit report. According to the Fair Credit Reporting act 15 USC 1681 I have the right to privacy. Also according to 15 USC 6802 No financial institution is supposed to share my information to third party people, much of this information was fraudulent or perhaps even possible identity theft. 

Account # : XXXX Last 4 of SS # XXXX
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly a collection/charge-off in the amount of {$2700.00} on the XXXX XXXX/XXXX XXXX XXXX  account number XXXX. ( Please see page attached from my credit report. ) I was moving and was searching for a new place to live and found XXXX XXXX XXXX apartments on-line. They were advertised as newly renovated and move-in ready. ( This was completely misleading and fraudulent. ) The pictures on-line portrayed a clean and safe complex. I contacted the leasing agent and paid the deposit and fees and rented the apartment. When I arrived at the apartment complex on XX/XX/XXXX they showed me the apartment they said I had agreed to rent. The apartment was inhabitable!! The carpets were filthy ; the bathroom smelled of raw sewage ; the kitchen had never been cleaned, the entry and other common areas were not kept up, there was trash and dog urine and feces on the stairs leading up to the apartment. I went directly to the front office to complain however they were not responsive and didnt appear to care. I had no choice but to move in. I had no other place to go. Shortly thereafter on XX/XX/XXXX I contacted the apartment manager to discuss the filthy living conditions of not only the physical apartment but the hallways and other common areas of the apartment complex. ( Please see reviews that have been submitted on line discussing the same issues. ) ( I have attached a copy of my initial correspondence dated XX/XX/XXXX. ) After living there for a short period of time, the conditions grew worse and there was no way I could allow myself and my XXXX year old child to continue to live in the condition of the apartment or the unsanitary and unsafe living conditions of the common areas of the apartment complex either, so I moved out. I spoke with a representative from the corporate office and was told that they would work something out with me and that they would not send this account to collections. ( Please see correspondence attached dated XX/XX/XXXX, XXXX and XXXX. ) I never heard back from them again until I received a bill for {$2700.00}. Only when I received a copy of my most recent credit report did I discover that this account had gone to collections. The corporate office never had any intention of working with me even though the attached correspondence from them states otherwise. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These unverified must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these unverified, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. I need the following items to be updated or repaired 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 XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX, I made two deposits at the XXXX XXXX XXXX XXXX XXXX Nj XXXX ( because I had a lot of bills I made two deposits but I would have liked to make a single deposit of {$3400.00} ) the first deposit I made was {$1100.00} and The second deposit was supposed to have been {$2300.00} ( which was the amount of bills I kept from the first deposit ) now ... the ATM only took the amount of {$1100.00} and the other bills were not returned to me. I made the complaint to the Wells Fargo complaints department and they made me a provisional deposit of {$1200.00} and then after 10 business days, they took back that provisional deposit and sent me a notice that I had not won the complaint. I requested a review of the case, and they told me they had already done the investigation and that day there were no leftover bills at that ATM. That was the reason why the complaint had not won. I complained to management again asking what was going to happen with my missing {$1200.00} and they said they couldn't do anything for me this time. So it's been four months and they still don't give me a solution every time I call they said sorry we are not able to help you.
Product: Credit reporting or other personal consumer reports

Capital one XX/XX/year> balance {$1000.00}, reporting to my credit report several late payments. This is not my account, I have asked them to cease contact with me but they have continued several times. 
Capital one XX/XX/XXXX {$1000.00} Capital one XX/XX/XXXX {$860.00} All theses accounts are reporting late but stating charge off. Also received an email stating I applied for a card, I did not apply for a credit from them. XX/XX/year>.
Product: Debt collection

Lazega & Johanson did a hard inquiry on my credit without my consent or authorization and it has negatively affected my credit score and my credit profiles across the board resulting in denials for credit. Ive paid my HOA balance in full and Ive been advised to retain an attorney because of their practices.
Product: Credit card

My original card expired XX/XX/23, I requested a new card XX/XX/23 first of the month, never recieved, called back end of XXXX requested another card, never received, called back in XXXX and requested a card never received, I have been charged XXXX for annual fee,XXXX for addition user fee, XXXX a month for service fees, a lost card fee, interested at XXXX percent on these charges and I have never once had a card in my possession. The contract states once signing or using the card I agree to terms and conditions of contract, I called to cancel account due to not having a card and their saying I owe them XXXX even though I never had a card to sign or use. Absolutely horrendous customer service and theft of service. Theyve charged me for a credit account I never had the ability to use. I have been bullied by this company and now its affecting my credit unless I pay money for something I never used. Please help me resolve this. This company is XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My wife and I have a mortgage with Rocket Mortgage. We've never paid late. My WIFE filed for XXXX  XXXX bankruptcy in 2024. I personally did not file bankruptcy. When my WIFE 'S bankruptcy was approved, Rocket Mortgage removed the mortgage account from MY credit file. This caused MY credit score to drop over XXXX points. All MY credit cards cut my lines of credit so now it looks like my cards are maxed out. Some of my lines got closed out when they periodically check your credit and saw my credit score drop. 

I contacted Rocket Mortgage when I saw the mortgage account removed from my credit file. They transferred me to their bankruptcy department. I was told that this is their policy when someone on a mortgage file for bankruptcy. This CAN NOT be an acceptable practice. I've never been late on my mortgage, and I want it added back on my credit file. 

Mortgage Account Number : XXXX Name on Account : XXXX XXXX | XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided. I am requesting an immediate corrective action to remove or amend the disputed accounts as Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND EQUIFAX HAS A XXXX ACCOUNT INCORRECTLY STATUS ON MY REPORT. THE OPEN DATES ARE MIXED UP, THE LAST REPORTED IS MIXED UP. ON EQUIFAX THE COMMENTS SAYS ACCOUNT LEGALLY PAID OFF, EQUIFAX SAYS SETTLEMENT ACCEPTED, XXXX SAYS PAYEMENT AFTER CHARGE OFF. WITH ALL THE ERRORS BY THE BUREAUS IT SEEMS AS INACCURATE INFORMATION IS BEING DISPLAYED AND WRONG INFORMATION IS BEING GIVEN TO ANY THAT REQUEST INFORMATION. THE CREDIT AGENCIES ARE IN VIOLATION AND IS NOT DOING THEIR JOB AS LISTED BY THE FCRA GA XXXX XXXX XXXX ACCT # XXXX IS REPORTING INCORRECTLY WITH XXXX AND EQUIFAX XXXX XXXX IS SHOWING CLOSED HOWEVER CURRENT AND STILL REPORTING NEGATIVELY AND THIS IS HURTING MY CREDIT SCORE. I NEED THE FOLLOWING ACCOUNT DELETED. ITS ALOT OF ERRORS AND THEIR IS NO ACCURACY ON TRUE OPEN DATES NOR LAST DATE ACTIVE XXXX DATA IS COMPLETELY OFF WHICH INDICATE THIS CAR WAS SOLD TO A DEBT COLLECTION AGENCY AFTER I WAS NOT PROPERLY INFORMED REGARDING ABOUT THIS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT MY RIGHTS HAVE BEEN VIOLATED. 
XXXX XXXX. XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. 

XXXX XXXX. XXXX SECTION XXXX A SECTION XXXX : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS XX/XX/XXXXACCT # XXXX HAS INACCURATE OPENED DATE, 2 DIFFERENT HIGH CREDIT AMOUNT, INACCURATE LAST REPORTED DATE
Product: Debt collection

I kept receiving calls from XXXX XXXX Stating I owe them for a credit card that was removed from my credit report. They stated that I still owe {$3000.00} and some to them. In requested for the original paperwork from HSBC and they told me I had To contact HSBC directly to get original paperwork that was signed off to XXXX XXXX. I then told them that I was looking to buy a car in the next year and they suggested that they arent saying it will be reported to my credit report but without a payment plan set they cant guarantee they wont report it.
Product: Payday loan, title loan, personal loan, or advance loan

After seeing that my Quick Wallet wouldn't let me pay off my loan and they want to charge a ridiculous several XXXX dollar principal fee every month with only XXXX dollars actually being paid on the loan I contacted the company and I revoked my permission for them to take money from my bank account. I contacted my bank and they placed a stop order on the payments and yet my Quick wallet has still been able to change their ID and charge my account every two weeks. My bank XXXX  XXXX they keep assuring me that it's taken care of that they won't be drafting money out of my account and yet they still have been able to do this. XX/XX/XXXX {$300.00} XX/XX/XXXX {$300.00}. Since I did everhtning I was supposed to do I don't understand
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the accuracy of the information contained in my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request a thorough investigation of any disputed information on my credit report. I have recently received a copy of my credit report from Experian and have found several inaccuracies that need to be addressed. 

I have previously disputed the following accounts with Experian, but I am disappointed to find that they have not been removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I believe that these accounts are inaccurate and XXXX be removed from my credit report under the protection of the FCRA. Furthermore, I would like to bring to your attention that the investigation conducted by the credit bureau did not meet the standard requirement as defined by the FCRA. The definition provided by law states that the investigation must be a reasonable and thorough investigation. However, the credit bureau did not conduct a thorough investigation and did not provide me with a written explanation of the steps taken during the investigation. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and ensure that the credit bureau complies with the FCRA. I also request that you provide me with a written explanation of the steps taken during your investigation and the reasons for your decision to keep these accounts on my credit report. 

Please note that I am aware of my rights under the FCRA and will take further action if necessary to ensure that my credit report is accurate and up-to-date. Please note that I am aware of my rights under the FCRA and will take further action if necessary to ensure that my credit report is accurate and up-to-date. 

Thank you for your attention to this matter.