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

I have another complaint against this XXXX XXXX XXXX XXXX with you XXXX after they lied to you a federal regulator claiming they had not reported my account as a charge off, when indeed they had, and would work with me and allow me to pay, which they did not!! Now they are not only reporting it as charged off, but did not apply the last payment they took from me and are showing my balance information incorrectly!!! The balance after payment is listed on this printout, which is EXACTLY why I made them give it to me. They were also telling me the day I was there " It is in your best interest not to make that payment '', in other words, they had charged the account off a day before the date they and their district manager told me I had to pay it, so they probably pocketed that money order!!!! I have attached this payment information and the final balance after they said they charged the account off and my payment that day was deducted!!! My credit report as you can see from the information I put in my complaint above shows the balance at {$3300.00} when it is {$3000.00}!!! They are breaking every FDCPA laws ever written, please enforce the laws!!!!
Product: Credit card or prepaid card

XX/XX/XXXX USAA rep informed me XX/XX/XXXX statement shows USAA BEGAN their Fraud Investigation the day I reported it on XX/XX/XXXX with Adjustment Purchases of USAA Credits. This is shown on the statement. 1 ) How could there be 6 Fraud Credit Reversals * BEFORE THE FRAUD WAS REPORTED ON XX/XX/XXXX??????? 2 ) What happened with the 17 Adjustment Purchases BEGINNING Fraud Investigations. Six ( 6 ) were REVERSALS * BEFORE THEY WERE REPORTED. USAA. What happened to those NOT REVERSED? So why is USAA NOT ACCOUNTABLE FOR THE FRAUD? There are NEVER 2 CREDITS FOR ONE PURCHASE TO REVERSE?
Product: Credit card or prepaid card

I have a {$3.00} and some credit card bill, with some extra, that comes to over {$5.00}. Sent check to pay for first time ( moved bill pay to another bank and since this is last payment, sent check rather than set it up ) for the account. Check wasn't cashed, called, and they just threaten me with late fees or tell me to cancel the check ( $ 25+ fee for a {$5.00} check ). That was a stupid recommendation, that's someone reading off the script and not thinking. USAA should have figured that out and written a script for the reps answering the phone by now for that situation. Second, they didn't have the credit card acct # on it, so I get it back on Saturday saying they couldn't apply it, but are threatening me with fees. USAA should have something in place where when they receive checks, they can figure that out. Not expect folks with NO branch ( they removed it a couple of years ago ) to pay ANOTHER fee because its late AND another stamp for it.
Product: Bank account or service

Recently I have had several thousands dollars wired from outside acct into my Citi Bank checking acct. What shocked me is Citi charged me {$15.00} for service fee. It is such a ridiculous policy to punish its own customer to put $ $ to his Citi account. That explains again why Citi performance XXXX.
Product: Payday loan, title loan, or personal loan

I am trying to pay off an installment loan with promotional with Pioneer Finance. I called their call center to get a payoff amount ( there is a payoff amount listed on their website but it does say to call to confirm ). There is no indication on the website of when the promotional financing period end or what interest amount is due. Upon calling the customer service line, they were not able to provide me with the amount of interest due but did advise that I would owe the entire interest ( I should note that they did not contact me after I requested a call back and the hold times were excruciatingly long ), even though none of this was stated on their website. The representative insisted that all of this information was stated on my paper bill, which to the best of my recollection, I have not received a single copy of in 2017. I did explain that I had recently moved out of my brother 's house but he continues to forward mail to me and WE HAVE NOT received any statements from this company. I am very bothered by the fact that the website is deceptive in the paucity of available information and I was bothered by the fact that the company itself could not provide me accurate information and the information they did provide was contradictory and opaque. I obviously would have paid this balance off well before the finance period ended, had that been made clear to me. This company exhibits much of the same behavior as a loan shark, which is what the laws of this country are supposed to protect its citizens against.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to address an issue with transunion. I submited a dispute on XX/XX/2021. Transunion completed the dispute on XX/XX/2021. The dispute was that the creditor did not want payment from me to close the account. This results in an indication that I do not have ownership of this account. I have contacted all parties involved and nothing has been resolved.
Product: Credit reporting 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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

Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. '' should be excluded from consumer report. I demand that XXXX, XXXX, and Equifax remove these transactions from my reports immediately as they are a violation of my rights as Federally Protected Consumer under 15 USC chapter 41.

15 U.S. Code 6801 - Protection of nonpublic personal information Pursuant to 15 USC code 6801 ( a ) ( 1 ) ( B ) ( i ), I did not give my permission to any company to furnish my reports to any consumer reporting agencies.

Pursuant to 15 U.S. Code 1681d - Disclosure of investigative consumer reports, the consumer has a right to prohibit information contained in the consumer 's file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer. 

XXXX, XXXX, and Equifax have been reporting consumer credit transactions without the consumer 's authority. Congress did not give them authority. Pursuant to Fair Credit Reporting Act 602. ( 3 ), consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit and other information on consumers. 

With all the information provided above for example, XXXX, XXXX, and Equifax have been reporting without my consent a case that is in XXXX since XXXX. The alleged attorney claims to be representing XXXX  XXXX XXXX and the Trustees. This issue has caused me to be ineligible for COVID Small Business Loan. The max cap was {$500000.00}. I'll be providing this evidence when I am ready to assess actual damages. BUT NOW I AM GOING TO BUY A CAR SO I DO NOT NEED THIS CREDIT ISSUE TO HAPPEN AGAIN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an incorrect inquiry on my credit report that i have never been affiliated with.Even some of the names and addresses on my report are wrong. I do not understand how some of these things are being bed to my name but i have nothing to do with this Name : XXXX XXXX Bankruptcy chapter XXXX-discharged XXXX/XXXX/2013
Product: Debt collection

Good Afternoon, I need help! I'm not sure who else to talk to about this. I was just looking at my Credit Report today I noticed a collection account from a company named Credit Management LP for {$320.00} on behalf XXXX. I called Credit Management LP XXXX and spoke with a nice lady XXXX Employee ID XXXX and when she took down my personal information she said that the alleged debt doesn't belong to me. She said that with the SSN i gave her it belongs to someone by the name of XXXX XXXX XXXX that lives in XXXX XXXX XXXX MA XXXX. Never lived or know that person! She said that she will file a fraud dispute and get this removed out of my credit. I just want to make sure that this fraud account is removed from my file because it's hindering my chance of getting approved. It dropped my score over 50 points.
Product: Credit reporting or other personal consumer reports

I am at a loss of words. My credit reputation is being tarnished by this huge mistake on my credit report which is completely false and misreported. Equifax is reporting this record mistakenly on my credit report. The record is also incomplete, which is also another reporting violation.
Product: Credit reporting or other personal consumer reports

I have repeatedly notified you about inaccuracies in my credit report, which persist in violation of Metro2 standards. Despite previous alerts, these errors remain, detrimentally impacting my credit profile. I insist on immediate corrective action to rectify these inaccuracies to prevent any further damage and to comply with the Fair Credit Reporting Act ( FCRA ). Failure to address this issue promptly may result in legal recourse, including arbitration. Your urgent attention to this matter is essential.
Product: Mortgage

I submitted a us postal money in the amount of {$1000.00} to the WELLS FARGO HOME MORTGAGE ( WFHM ) in XXXX XXXX to finalize refinancing for the mortgage at XXXX XXXX XXXX, XXXX, Maryland XXXX. This was the final step in obtaining a refinancing pursuant to the Home Affordability and Refinancing Program, initiated by then President Barack Obama of the United States of America to assist distressed home owners due to hardship, HARP Program, an executive order of the President. I originally submitted a handwritten complaint on XX/XX/XXXX via fax, fax # XXXX and have not received a complaint number. Mr. XXXX XXXX, a Wells Fargo Customer Care Specialist did call me at home, on a recorded and monitored line, from XXXX Ext.XXXX to my home number, XXXX, on XX/XX/XXXX at XXXX EST. This was a callback after I called him. During this call Mr. XXXX acknowledged that 1 ) we had applied for HARP protection, 2 )  XXXX XXXX was handling the HARP request, 3 ) the money order for {$1000.00} was redeemed for cash by WFHM and 4 ) he would be forwarding written confirmation of this to me. I have not received anything. Mr. XXXX called again on XX/XX/XXXX at XXXX to say he was not finished.
Product: Payday loan, title loan, or personal loan

We bought a home offered through XXXX  per realtor XXXX XXXX with a REC wrap around mortgage for which the title company gave us title insurance which protects us for marketablity in schedule A Because an attorney representing the debt collector XXXX XXXX, wants money in an " agreement '' with us, for the debt on the house, we wanted to sell the house to our son to keep the house in the family as the family has paid and lived in the house for the last 15 years. The title is in my name and my mom 's or both and I have owner 's title insurance in my name. 
In 2009 the mortgagors gave up their equity position and special warranty deeds were kept in vault with XXXX XXXX  until paid off ( the original loan that is wrapped, countrywide ) or refinanced. 
Wehn we went to the bank to get a loan to pay the remainder of the real estate contract, we were told that the title company can not get a payoff because the bank refuses to cooperate withthe title company in the sale of our house we own. 
We took title policy ensuring marketability and because of this lack of cooperation, we can not sell the house. 
The loan and original note was XXXX. There has been 14 years of cash payments received by XXXX  XXXX XXXX that took over the note of countrywide of XXXX and then sold off to the XXXX XXXX XXXX. The loan we were told should not change in terms or interest from the XXXX XXXX but who we make the payments to. 
The bank is not disclosing the infomration needed to pay the original note when the title insurance was issued dnd the real estate contract was filed in the county clerk in XXXX to pay it off. It should be less than XXXX since we paid for 14 years. 
Since we can not market the property because the original loan information is not disclosed to us without the consent of mortgagors who are not in the state nor the bank is cooperating to get paid, we can not sell it or refinance it. we should be covered by title insurance as per part A
Product: Credit reporting or other personal consumer reports

some one used my information to apply for credit without my knowledge. Please remove these inquiries 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title. a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
If you choose to not block the account listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 

Please remove/block the account as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/2021 Balance : {$190.00}
Product: Credit reporting or other personal consumer reports

Delete this Charge-off ( XXXX XXXX account # XXXX ) for inaccuracy because the date last active show XX/XX/2023 on XXXX, XX/XX/2023 XXXX XXXX and XX/XX/2023.
Product: Credit reporting or other personal consumer reports

The information listed below are unauthorized inquires, which appears on my credit report, does not relate to any transaction ( XXXX ) that I've made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The last two payments were not applied correctly. ( XXXX & XXXX ) They were my monthly payments, yet both payments were applied to principal only. I have reached out to the mortgage servicer several times, yet no response, or correction. I have also previously filed a complaint on this website. Also, I want to make sure that previous payments have been applied when they have been received, since this affects how much interest I am paying.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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 consist of personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, account opened at XXXX XXXX XXXX on XXXX XXXX under the account number XXXX, account opened at XXXX XXXX XXXX on XX/XX/XXXX, account opened at XXXX XXXX XXXX on XXXX XXXX, account opened at XXXX XXXX XXXXXXXX on XXXX XXXX under the account number XXXX, account opened at XXXX XXXX XXXX XXXX on XXXX XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 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: Mortgage

My loan was recently sold from XXXX to Dovenmuehle. In this transfer my first statement from Dovenmuehle states that I owe {$260.00} for a property inspection fee on XX/XX/2018. My loan was transferred on XX/XX/2018 and there has been no property inspection, nor should there have been due to the RESPA protection. Dovenmuehle repeatedly indicates that it was from the previous provider XXXX. In no statements or documents from XXXX is that fee listed anywhere. Dovenmuehle will not remove this fee and they keep insisting it is from past mortgage providers even though there is no record of this. I have asked them repeatedly to remove it and they will not.
Product: Checking or savings account

Hello, I am contacting you regarding my Citibank checking account that was unfairly closed on XX/XX/XXXX.My account was positive with a balance of {$1000.00} that I have never received. I was told over the phone and a letter I received that they will issue an official check for that balance to the address on file. As of XX/XX/XXXX, I have never received any funds and I need that money to pay my rent and other bills. 

I have banking with Citibank the past 8 years. My account was always in good standing and I never have any issue with them or other financial institutions. 
They closed my account because I received 2 wire transfers from a friend on XX/XX/XXXX and XX/XX/XXXX for the amount of {$5000.00} each.They said my account will be temporary closed for investigation due to the reason I received 2 wires transfers. 
I can guarantee I am never involved in a fraud activity or money laundry and I have all the necessary documents to provide for justification.Citibank  never get back to me. Each time I reach out to them, they provide me a different answer.I can not access my account online and they don't give me an update after investigation. They just simply closed my account and didn't provide any check.I was back and forth with them for over a year now. 

Please investigate! I need Citibank to issue me a check for the balance of {$1000.00} that was in my account. 

I am looking forward hearing you. 

Best regards,
Product: Credit reporting

The inquiries below I did not authorize. I asked one dealer to go through open bank and they shopped my credit report around without my authorization. 



XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX OF XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX XXXX Date : XXXX XXXX, 2016
Product: Debt collection

I do not have unpaid debts. I continue to receive calls from First Point Debt Collection stating they are a debt collector that needs to get in touch with me. The phone number I receive calls from is ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has claimed that Account ending in XXXX has been charged off {$4000.00} I have requested that they send me validation that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them. 
Letters were sent on XX/XX/18, XX/XX/18. At the time these credit cards were opened, i had just gone through a Ch.7 Bankruptcy and did not open new cards. These cards must have been opened fraudulently and against my name and without my approval.
Product: Debt collection

XX/XX/XXXX I opened : " XXXX '' I used a credit card issued TO MY XXXX from " XXXX '' bank out of XXXX to purchase inventory. XXXX XXXX went BANKRUPT in XX/XX/XXXX-XX/XX/XXXX. My XXXX was unable to pay its debts and through court action was taken from me. " FEDERATED CAPITOL '' acquired all the toxic debt of XXXX XXXX, including that of " XXXX. '' Federated has repeatedly called, sent letters & issued summons to court three times. Once in XXXX, once in XXXX XXXX XXXX, XXXX, XXXX and recently XX/XX/XXXX ) attempted to place a LIEN against me through XXXX County Court, XXXX, XXXX. I have written Federated, spoken to them, hired a lawyer who contacted them. They refuse to drop the issue.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Equifax for their failure to resolve an unauthorized internal hold placed on my credit report. This hold is preventing me from accessing my credit report and is significantly hindering my ability to purchase a home. 
Two weeks ago, I discovered an unauthorized internal hold on my Equifax credit report. Despite sending two written requests with proper identification on and multiple phone calls, Equifax has refused to remove the block. Their customer service representatives have been unhelpful claiming they have not recieved the letters, denying me access to a supervisor or manager, and claiming that all employees are trained identically. 
This situation is causing extreme financial hardship as I am unable to proceed with the home buying process. The inability to access my credit report is a direct violation of my consumer rights and is causing significant distress. 
I have attached copies of the letters I sent to Equifax requesting the removal of the internal hold. I request that the CFPB investigate this matter and take appropriate action against Equifax for their failure to comply with consumer protection laws. 
I look forward to your prompt attention to this matter.
Product: Credit reporting

Was a victim of identify theft by my fianc while I was in the hospital