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

On or about XX/XX/2021, Me and my fiance ' provided a background screening report to XXXX to be considered for a rental apartment home. On XX/XX/2021, I was denied by XXXX due to a past " Delinquent account ( s ), '' -- in which one of the delinquent accounts being XXXX XXXX XXXX erroneous " 30 days late '' reporting to my credit report. 

Per my prior CFPB prior XXXX XXXX complaint # XXXX, XXXX XXXX resolved this 30 days late dispute in my favor and agreed to send a request to the appropriate credit reporting agencies to update my credit report reflecting the 30 day late/delinquency error.
Product: Debt collection

Allied Interstate in XXXX placed a wage garnishment against me on a student loan debt that was outstanding ; while making small payments from time to time. I not once spoke to anyone at this collection agency in regards to this matter. In XX/XX/XXXX, I took a FMLA from my employer to care for a parent after being here since mid XXXX. In XX/XX/XXXX, my father past away in my care during his illnesses. During this time small payments were being made directly to Department of Education 's website. Needless to say, I have been attending college since ( if not mistaken ) XX/XX/XXXX up to this present time. After speaking with a representative in regards to the garnishment, she asked if I could settle the account immediately I am not in a position to settle a XXXX account. Some papers were mailed to me to assist with making paying arrangements in order to release the garnishment. To mention once again at this present time I am still attending college. I am requesting monies to be paid back, and release the garnishment against XXXX XXXX XXXX XXXX XXXX. Especially after returning back to work from XXXX, and we are working during the summer months. The XXXX for 10 months are employed for 180 days. There has been XXXX occurrences were XXXX payments have been garnished during this time. XXXX XXXX XXXX XXXX XXXX began XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX put a collection of {$630.00}. They say it was opened on XX/XX/2019. They state that the original creditor was XXXX XXXX XXXX i have never contracted them for any service. I have never received a bill or invoice not even a call. I was surprised by this collection on my credit. I called first XXXX XXXX and to my surprised they did not have any information like my address or social security number or even telephone number. The only information they had was my birthday and name and that meant the collection belonged to me. i asked them why they were collecting money from me they insisted that i have pay regardless whether i know or dont know about it or else the collection will continue to reflect on my credit score
Product: Mortgage

On or about XX/XX/2021 I received a letter from XXXX XXXXXXXX stating my mortgage was increasing from {$1000.00} to approximately {$1200.00} due to my escrow have a XXXX negative a balance. I contacted Mr. XXXX, a manager at XXXX XXXXXXXX confirmed that the was accurate. I then contacted the XXXX County, OH Treasurers Office and they informed me that my real estate tax was not paid this past XXXX when I refinanced my home but was paid this past XXXX. The treasurers office did inform me that my property tax had increased this year which I was already aware of. 

I then contacted Title365 who also sent me a check for {$2200.00} back in XXXX or XXXX of 2021. I spoke with XXXX and he told me that " I should not have received that money because it is a VA loan, and it came out of my old escrow account. '' SO, I asked him who was at fault, he said, it was our fault. " ( Title 365 ). Thus, leaving me with a negative balance and to make up that balance, I would have to either make a payment of {$2300.00} to immediately get my escrow in the black or pay an extra {$210.00} plus my mortgage for the next 12 months. This action has put a strain on my finances. 

On Monday, XX/XX/2021 I spoke with XXXX XXXX the funding manager for Title365 and apprised him of the situation. I explained to him that I should not be penalized for their mistake. He told me, " since you received a check from us that should have raised a red flag. '' So, in essence he is putting the blame on me for his company 's mistake. Additionally, he offered to pay the fees and penalties for the late real estate filing which he did not give me an amount. I told him I do not know real estate laws and over 75 pages to look over during signing, anyone who is not in the business can miss something. If this was a reputable company, they should make it right. Finally, if they are willing to pay for the fees and penalties, then they can pay the entire amount.
Product: Checking or savings account

Back in XXXX, I set up auto pay of my mortgage ( XXXX ) to be taken out and paid electronically every month on the first of each month when the payment was due. On XX/XX/XXXX, I contacted my bank ( USAA ) to inquire about why my mortgage payment was not being processed on time. I had noticed several months ago ; around XXXX, that the payment was being processed 6-7 days later. When I asked why, I was told that it could be an issue with the Merchant ( XXXX ) not accepting the payment electronically or my banking institution felt they needed to change it for whatever reason they deemed fit. I explained that I have had it set up that way for the past 5 or so years and that I did not appreciate the change considering that I did not want my mortgage payment to be sent late. They stated they could not handle when the mail was being picked up at the facility that now handles writing the checks for USAA. ( If I wanted a check sent out, I would did it myself ) I stated that I would like to speak with them and they told me that was not possible. USAA could not give me a valid reason for this change and told me they could change it at anytime they wanted to without notifying me of this change. I am very frustrated on the non-answer answer that I have received and would like details into this situation. I do not want my payment to be late and incur additional charges because the bank deemed it so. At this point, I am not confident the bank can handle the needs of my family and what we ask of them to provide for us.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, an unauthorized inquiry was left on my credit report from XXXX. on XXXX XXXX an unauthorized inquiry was pulled from XXXX. On XX/XX/2022 an unauthorized inquiry from XXXX was filed. On XXXX, XXXXXXXX XXXX an unauthorized inquiry from XXXX was filed. On XXXX XXXX an unauthorized inquiry from XXXX XXXXXXXX was filed .on XX/XX/2022 XXXX XXXX XXXX filed an unauthorized inquiry.on XX/XX/2022 XXXX XXXX XXXX an unauthorized inquiry on my report. On XXXX XXXX an Unauthorized inquiry from XXXX was filed on my credit report. On XXXX XXXX Unauthorized inquiry was filed on my credit report from XXXX XXXXl. On XXXX XXXX XXXX XXXX filed an unauthorized inquiry on my credit report. On XXXX XXXX XXXXXXXX XXXX  filed an Unauthorized inquiry on my credit report. On XXXX XXXX XXXX XXXXXXXX XXXX filed an unauthorized inquiry on my credit report. On XXXX XXXXXXXX XXXX XXXX  reported an unauthorized inquiry of my credit profile. On XXXX XXXXXXXX XXXX  placed a unauthorized inquiry on my credit profile. On XXXX XXXX XXXX XXXX placed a unauthorized inquiry on my credit report. On XX/XX/2022 ally financial placed a unauthorized inquiry on my credit profile. On XX/XX/2022 grow financial placed a unauthorized inquiry on my credit profile. On XXXX XXXX redstone fcu placed a Unauthorized inquiry on my credit report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
Product: Checking or savings account

I deposited a check through my phone XXXX XXXX 2017 for {$1100.00} into my capital one 360 account. They made me wait appx. 6 days to clear. Then once it was cleared they called me but my mom answered and they asked where the check came from and she accidentally said she was not sure. They said they were closing my acct and said they had to return the check to its original owner. Two months went by I noticed my account was still open with {$1100.00} available but I could n't access it. I spoke to a bunch of people on the phone and they basically stone walled me and said I had no account open. This is where I am at now. I 'm not getting anywhere with the over the phone workers
Product: Debt collection

Company consistently harasses me, threatening to sue me from a law firm in a completely different state than me. Im not familiar with this law firm. Its caused me stress. I have been XXXX, and at the start of the harassment, I was XXXX  XXXX. I would like for this company to leave me alone and stop threatening to damage my credit, and sue me.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending written letters to Equifax about the errors that I am seeing on my Credit report. However, I am not seeing any changes, improvements, or corrections on my reports. They kept reporting a lot of inaccurate information in my credit report which is no longer acceptable. Aside from that, Equifax and the furnishers have failed to notify me about the issues. Thus, they were not able to meet the requirement of the XXXX which demands them to provide a XXXX percent accuracy on the report and should they provide significant and legal documents to affirm their remarks. Below is the list of the items I have been concerned on : XXXX. XXXX XXXX XXXX {$0.00} 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 Inquiry : 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 XXXX. XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed XXXX of an issue in which the individual granted POA abused it by opening numerous accounts and failing to return a vehicle under the SCRA. After speaking with the company and coming to an agreement that upon paying a balance they would remove the negative content since it was caused by someone other than myself. I informed them they failed to retrieve the vehicle over 6 months after being notified by myself that this individual still had it in their possession. I accepted some financial responsibility because I should have trusted someone more responsible. Nevertheless, I made the payment to XXXX and instead of removing the derogatory information, they sent me the attached notice saying the account was settled in full and then reported it to all credit agencies as settled for less than the amount. They went back on their word and because I put my trust in them I was not able to go on my military deployment and my security clearance remains at risk.
Product: Credit card

I received defective furniture and Citibank is not allowing a charge back and is holding me fully liable for the purchase and I disputed within 60 days of purchase,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion will not remove this account that is over 7 years old the company say they have no control over how long it stay on my report then they say they dont even show me having an account with them. I want XXXX XXXX XXXX removed from my credit report
Product: Vehicle loan or lease

I would like to file a complaint with the Consumer Financial Protection Bureau regarding a situation where I was deceived into signing up as the primary signer for a car loan for a very old car, with Ally Financial, instead of being a co-signer as originally intended. Both my ex boyfriend, whom I was co-signing for, and I had poor credit histories and low income. At the time, I was already paying off my own car loan. The lender 's decision to involve two individuals with inadequate credit in the loan agreement seems highly predatory and unethical. 

Throughout the loan term, I struggled immensely to manage the financial burden of two car loans, as my ex-partner refused to contribute to the payments. Only after my ex received a lump sum of money from COVID relief funds was the car loan finally paid off. Unfortunately, the repercussions of this experience have left a lasting impact on my credit, making it extremely challenging for me to obtain a new car or a home. I believe that the lender 's actions were not only predatory but also racially discriminatory, as they deliberately burdened me with a loan that they knew I could not comfortably afford, given my credit and income. 

Looking back, I regret not having filed for bankruptcy, as it would have allowed me to clear my credit by now. I sincerely hope that the Consumer Financial Protection Bureau can investigate this matter thoroughly and address the unfair practices employed by the lender. It is crucial that action is taken to prevent others from falling victim to similar predatory and discriminatory practices in the future.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against XXXX XXXX XXXX XXXX XXXX ) regarding their failure to remove an inaccurate late payment from my credit report, despite my repeated efforts to resolve the issue directly with them. 



The late payment in question occurred in XX/XX/XXXX under my business, XXXX XXXX, XXXX ( Account # XXXX ). This was the only late payment ever recorded on this account. However, the delay was caused by MBFSs failure to promptly resolve issues with my ability to access their online payment portal. When I leased the vehicle in XX/XX/XXXX, I attempted multiple times from XXXX to XX/XX/XXXX to gain access to the portal, making numerous calls to MBFS representatives. Despite my efforts, I was unable to make online payments due to unresolved technical issues on their end. It was only in XX/XX/XXXX that an XXXX representative finally identified the problem and corrected it, allowing me to make payments successfully. 



Although this issue was clearly caused by delays in XXXX system, they have refused to remove the late payment from my credit report, which is unfair and inaccurate. This negative mark has significantly impacted my ability to secure housing for my family. Furthermore, this is a business auto loan, and as such, it should not be reflected on my personal credit report, as I was never in default on this account. 



I request the CFPBs intervention to ensure that XXXX removes this unjust late payment from my credit report and correctly reports this business loan in accordance with applicable regulations. 



Thank you for your time and assistance in this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

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

There are two transactions for a single motorcycle purchase from the merchant XXXX : XX/XX/2021 in the amount of {$100.00} XX/XX/2021 in the amount of {$4900.00} This was a pre-order and the merchant has failed to deliver the promised goods. The delivery date is within the credit card company 's dispute period. However, the credit card company has refused to file a chargeback.
Product: Debt collection

My wife answered a call on XXXX/XXXX/16 from XXXX, at XXXX. Searching on-line the number belongs to They want my date of birth regarding a debt. My only debt is my mortgage, which is current, so the is no reason a debt collector should be contacting me. My wife refused to provide my date of birth and told the person that this same type of calling occurred last month. In that case they stopped calling after the fourth time. She received a 2nd call at XXXX from the same number for the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and the inquiries I am disputing were never done by me neither anyone I have authorized, these inquiries were never authorized and therefore must be removed in accordance with the FCRA section 605b. I have read enough to understand my rights and according to the FCRA section 605b the Credit reporting Agencies are required to remove any accounts and information that resulted ue to identity theft. I am now submitting this compalin to you today to request for the Credit Bureaus to remove the followiing inquiries completely from my Credit File : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently discovered that my credit report with XXXX, XXXX XXXX, and Equifax contain account transactions that I do not recognize. The information contained in the reports do not match any transactions made by me. I have also been receiving calls from creditors which I know nothing about. 

Because of this, I have filed an XXXX XXXX  report. I never gave any written consent for any of the companies being reported to furnish any of my identifying information to credit reporting agencies. I also never gave XXXX, XXXX XXXX, and Equifax any consent or authority to obtain and utilize my identifying information. The credit reporting agencies are supposed to take reasonable procedures to ensure that they have proper consent and authority to report a consumer 's identifying information. 

I am not happy that my identifying information has been compromised and that the credit reporting agencies have overlooked this. These actions are considered to be criminal and are completely unfair to me.
Product: Mortgage

Hello, this complaint is regarding PHH Mortgage company.

PHH, for the past 6 months, has consistently misapplied my monthly payments and extra principal monies I have periodically also submitted. I believe their intent is to get more interest money as I attempt to pay down this loan. I am concerned that are also doing this to other clients, which is my reason for contacting you.

In attempting to correct these errors, I only receive inconsistent communication from PHH, despite my best efforts to work with them.

At this time - without notice - PHH has blocked on-line payments and an extra principal payment is unaccounted for ( withdrawn from my bank account but not credited or acknowledged on my account ).

Thank you for providing this consumer service. I can provide you with more details at any time. 

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

On XX/XX/2021, I took the bait of a fraudulent email purportedly from XXXX XXXX regarding a change in my subscription. I spoke to one XXXX XXXX in the Security Department at the number given ( XXXX ) who explained that the charge had been activated accidentally. I provided him access to my checking account ; but he transferred {$500.00} from it to Skrill instead. So I called XXXX, which pronounced that a scam. ( XXXX case no. XXXX. ) Skrill stated in a XX/XX/XXXX email that the transfer would be cancelled and that amount would be refunded to my bank account. On XX/XX/XXXX, Skrills XXXX confirmed that the transaction had been cancelled and the funds were still in the U.S. On XX/XX/XXXX, I received another email from Skrill, which reiterated : Your money transfer to XXXX XXXX has failed. Your deposit will be refunded. ( Transaction XXXX ) .It further stated in a footnote that any remedy against Skrill would be a refund of the transaction amount. 

By XX/XX/XXXX, however, Skrill still had not issued the refund, so I called again and was told to expect a response by email. On XX/XX/XXXX, I was notified that my account had been closed. Additionally, we have applied an administrative fee for the amount of {$50.00} leaving your balance to be XXXX USD. 

Instead of such blatant malfeasance, I expect Skrill to refund my {$500.00} in full without further delay.
Product: Credit card or prepaid card

I received an unsolicited US Bank Reliacard. I called several time and I am unable to get an agent. There is no email address to submit my concern and I couldn't find information on their website
Product: Payday loan, title loan, or personal loan

I applied for a loan that I received a flyer about in the mail. It was for {$1000.00} The loan was effective X/XX/2017. They said the interest could be up to 35 %. It actually ended up being 557.43 % interest. I have paid 2 payments of {$210.00} and they only put {$1.00} against principal for each payment.. They never sent me the pay schedule until they deposited the money. I contacted the company on their website and they would not respond. I called their number and they kept going around my questions. This is totally a scam. I need relief severely. They keep taking money out of my account every two weeks and I am not getting anything paid up. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Because of your non compliance to properly investigate and inability to do what is fair and equitable by deleting the identified items of inaccurate information even though there were discrepancies among agencies SEE ATTACHED PROOFS, my information is being traffic