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

On XXXX XX/XX/2023, my family and I enquired about a rental property on XXXX XXXX. We verified the " landlord 's '' contact information and the profile information seemed to be consistent with the property details. A 3rd party phone number reached out from XXXX from XXXX. 

The property add was taken down once we filled out the " application '' and were " approved '' for the background check. We checked the Pennsylvania law for the application fee and it seemed to be consistent with PA-law. Before paying, we asked if we would be refunded if we were not approved for the property. My sister submitted a complaint with the XXXX XXXX XXXX XXXX. Through XXXX XXXX XXXX, another person 's identitaty was used for the property and we were dubbed into paying an application fee of {$200.00} with a promise for a refund. 

The property is not on the market for rental, and the {$200.00} was not refunded by the owner as promised. 

Additionally, they insisted that a tour of the property would promptly be arranged after a deposited of {$1000.00} for the security deposited was transferred through XXXX. On XXXX XX/XX/XXXX, I wire transferred the money to a different account from the previous account that were given : " XXXX XXXX '' and I was not refunded the money for the security deposit in spite of the " contract '' saying the security deposit was refundable under the " delivery of possession '' section. Immediately when I suspected the fraud I reported it my bank, Citizen 's bank, the file a claim. This happened the day of. Citizens found my claim to not be credible, in spite of the fact that I could present phone transactions, a false " contract '', and my prompt reporting. I tried to present everything the following day to my near by branch, but the accountant insisted that they didn't deal with claims or investigations. I'm very displeased with the customer service as I had been a loyal customer for nearly 15 years. My sister 's bank, XXXX, took in a detail account for her scammed {$200.00} and did an actual investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion about my credit report. Informing them that you is XXXX XXXX committed fraud. By falling fraudulent foreclosure against my property in 2009. I 'm asking them to give me a copy love the credit report when they first remove XXXX XXXX from the credit report they to refuse. As well as a letter stating the date when we first put on there and more in poorly I 'm needing the letter updating my credit report when it walls taking off and they are refusing to do any of these things to certify the customer. They to have the police report and supporting documents. Thank you
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to submit a formal complaint to the Consumer Financial Protection Bureau regarding the omission of transaction histories from my consumer file. As detailed in my recent communication to the credit reporting agency, I have identified a significant oversight in the reporting of my financial information. The absence of transaction histories hinders a comprehensive understanding of my credit profile, which is essential for responsible financial planning and decision-making. Despite my request for correction, I have yet to receive a satisfactory resolution from the credit reporting agency. I seek the CFPB 's intervention to rectify this matter and ensure that my consumer file accurately reflects my financial history in accordance with applicable regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX You are in Direct violation of the fair edit reporting act ( ) has violated several of my rights.

15 u.s.c 1681 A. section 602 clearly states that i have the rights to privacy.

15 u.s.c 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account with out my written instruction.

15 u.s.c 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.
Product: Mortgage

XX/XX/XXXX/XX/XX/XXXX- XXXX XXXX initiates a home refinance for XXXX XXXX XXXX with Citizens Bank . 
XX/XX/XXXX - Financial information regarding XXXX XXXX XXXX was requested by Citizens Bank for the completion of XXXX XXXX XXXX home refinance. IN THAT REQUEST WERE DOCUMENTS REGARDING THE LOAN AND FINACIAL/PERSONAL INFORMATION OF YOUR BORROWERS- XXXX XXXX explained to Citizens Bank that the property at XXXX XXXX XXXX was not his and he had no claim or responsibility for that property as XXXX XXXX was sole owner of that property. 
Citizen Bank replied that loan would not be funded without the information. 
XX/XX/XXXX - XXXX XXXX 's financial information was requested by XXXX XXXX for an unrelated XXXX XXXX matter, he specifically asked for taxes, payment history and insurance. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX documents for XXXX XXXX XXXX XXXX Citizens Bank so that his financial profile would be complete. 
XX/XX/XXXX XXXX XXXX of Citizens Bank found the insurance documents to be incomplete for his purposes and contacted XXXX XXXX insurance agent for additional information. He included signed authorization forms from his borrowers, but not XXXX XXXX. XXXX The insurance agent did not provide the information and contacted XXXX XXXX XXXX XXXX her that her information was being used to fund a loan for XXXX XXXX. 
XX/XX/XXXX - XXXX XXXX contacted XXXX XXXX by phone and email insisting that XXXX XXXX return her documents as she had not authorized any transaction for XXXX XXXX XXXX. She called and emailed XXXX XXXX and XXXX XXXX. 
I also contacted the Ciitizens Bank general customer support team and filed a complaint. I was escalated to the Citizens Bank immediate response team designated for high priority cases and filed a complaint. I contacted my bank, I filed a police report, I filed an FTC complaint. 
XX/XX/XXXX - After speaking with several Citizens Bank officials including the branch manager, Citizen Bank ignored my complaints and submitted the loan to XXXX XXXX for funding. 
XX/XX/XXXX -Citizens Bank admits in writing that they used the fraudulently obtained documents to confirm the financial integrity of XXXX XXXX for the funding of his refinance loan, but determined " I was not harmed '' and dismissed their responsibility in the identity fraud. 

I give up - I can no longer reason with a company that has no respect for the private information of its people and the people they take advantage of. I have posted all of the documents you have sent me on the web ( including the " request '' for additional information that your agent sent with the actual borrowers ~ name, address, ss #, telephone # etc ... ), the silly letters where you admit you used stolen information, the NUMEROUS notes that had you side stepping the direct question of why you used the information knowing it was stolen and every name of the individuals who I spoke to -- all of it. Several sites have picked it up because I am not the first person who has been a victim of your identity theft.
Product: Credit reporting or other personal consumer reports

America First Credit Union is reporting a balance on my credit report when the accounts has charged off. Also while the account has charged off they are still reporting on a monthly basis. I reached out to the company and ask to fix this. I also reached out the credit bureaus, they stated that the company has to do it and all they do is dispute and ask them is this information mine and then send me back a letter stating that it is reporting correctly. 

There is XXXX accounts with the above company. I will also attached the credit report to show how its reporting.
Product: Debt collection

I am writing to formally dispute an item on my credit report that I believe to be inaccurate. Upon reviewing my credit report, I noticed a collection account listed under the following details : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Report : XXXX XXXX I request that you investigate and verify this account for the following reasons : [ Dispute Reason # 1 ] : I do not recognize the debt and have no record of owing this amount nor was the creditor able to comply and provide information within 30 days after filing a request as promised [ Dispute Reason # 2 ] : Based on XXXX  policies if a creditor does not provide proof of responsibility of the debt owed within 30 days after the request was made, they are subject to removing it from my credit report I request that the collection be removed from my credit report if the creditor is unable to provide verifiable evidence of the debt. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate report, and I believe this entry does not meet those standards. 

Please conduct a thorough investigation and respond to me with your findings. If this item is found to be inaccurate or unverifiable, I kindly ask that it be removed from my credit report.
Product: Credit reporting or other personal consumer reports

My information was exposed to Data Breaches 15 USC 1681 governs access to consumer credit report records. I have filed form 14039 with the irs.gov. The perpetrator ( s ) filed IRS tax return using my SSN which has damaged me furthermore the perpetrator ( s ) have obtained from the Data Breach my personal information which has resulted in negative credit accounts and fraudulent inquiries of which ALL must be deleted immediately without delay on Experian, XXXX and XXXX. Pursuant to Title 15 USC 1692G ,1692K et seq FCRA 605B ( 15 U.S.C. 1681c-2 ) See attached Credit Report and Identity Theft FTC Report
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX Account # XXXX {$1500.00} Wrong Amount 2. XXXX XXXX Account # XXXX {$1500.00} Wrong Amount 3. XXXX XXXX Account # XXXX {$1000.00} Wrong Amount 4. XXXX XXXX Account # XXXX {$330.00} Wrong Amount 5. XXXX Bank XXXX Account # XXXX {$450.00} Wrong amount 6. XXXX XXXX XXXX Account # XXXX {$800.00} Not Mine 7. XXXX XXXX XXXX Account # XXXX Paid and was suppose to be removed 8. XXXX XXXXXXXX XXXX Account # XXXX Paid and was suppose to be removed 9. XXXX XXXX Account # XXXX 10. XXXXXXXX XXXX Account XXXX XXXX {$430.00} Wrong amount 11. XXXX Account XXXX XXXX {$430.00} Wrong amount 12. XXXX Account # XXXX Paid and was suppose to be removed These accounts has violated my rights : 15 U.S.C 1681 Section 602 A - 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c ( a ) ( 5 ) 15 U.S.C 1681s2 ( A ) ( 1 )
Product: Credit card

On XXXX XXXX, 2015 Citicards announced it was providing FICO scores to its cardholders. I have attempted to access my FICO score via the home page of my citicards.com website but have consistently received timeout error messages each time I attempted to access this " benefit ''. Approximately 3 weeks ( XXXX 2015 ) ago I was contacted by a citicard representative after I responded I was dissatisfied with citicard services on an online customer service survey citicard sent me. The representative attempted to resolve my login problem but was unable to access my FICO score. The representative noted that citicards had an " open ticket '' on cardmember inability to access their FICO scores and promised to send me an update within " about two weeks ''. I never received an update. 

I contacted citicards again today ( XXXX XXXX, 2015 ) after continued inability to access my promised FICO score. After 30-40 minutes online with a representative who attempted to access my FICO score many times via many methods ( and with one or more managers ), the citicards representative ( s ) could not access my FICO score. The representative said she would submit another " ticket '' and that I would be notified if the problem would be resolved. She was unable to tell me how much time might elapse before I was updated on the status of this issue. 

Citicards has made a big deal about providing FICO scores to its cardholders. In my case it has continued not to be able to fulfill that benefit offer. I have expended several hours of time, and quite a bit of frustration, attempting to access this " benefit '' and am aghast that Citicards has been unable to resolve this issue. I have been a Citicards card holder for at least 15 years but I do not intend to do business with companies that offer benefits they do not provide.
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. 

Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer repor
ting 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: Debt collection

Company claims that lease was broken however we were on a XXXX-month lease and left less than a month prior to the lease actually ending by giving a 30 day notice. In six months, there was no damage done to the old apartment other than trash being left behind I will admit.the Apartments staff continues to say, left in shambles however it was very old and XXXX infested. I have asked for documents on multiple accounts and photographs of the unit and the front office does nothing but dismiss me and point me to who they sold the collection debt too. The young lady, I spoke with reassured me that they no longer have my files and are just trying to collect money and follow up with what the previous landlord left behind. When calling in asking for additional information, I am not in the system nor able to be pulled up the ladies in the front office try to direct me to the collection agency the debt was sold to. From then we are being harassed daily with multiple phone calls, which we are aware is against the law according to law 15 usc 1692 c ( c ). The harassment and disrespect is unbearable. I will continue to seek legal matters in regards to this situation. I can not deal with the company nor the collection agency as theyre rude individuals who handle me in a way I can not tolerate.
Product: Credit reporting or other personal consumer reports

Can you please get rid of these inquiries? I don't know anything about this, and the company did it without my approval.
Product: Student loan

Navient Student Loan Servicer could not locate my account due to the fact that the account had the wrong social security number attached to my account. I was told that " I did not have an account with them. '' I am not sure if this is why I could not get loan forgiveness ... ..the fact that my " account did not exist. ''
Product: Mortgage

My wife and I build our home about 12 years ago, and we had a 30 year mortgage. About 2 years ago, we lost a job, and needed to refinance our mortgage. This company came along and said they would be able to lower our payment. What they didn't tell us is they were going to lengthen the term of our loan. Now in XX/XX/2018, we have a 40 year mortgage, and my wife and I are in our mid-late 50 's  and will be in our 90 's when the mortgage is paid off. We were never told this would extend the length of the mortgage from a 30 year to a 52 ( 12 years of house payments plus a 40 year mortgage ). This is outrageous. 

We are in a little better financial position, and would be willing to up the payment, but can not buy into a mortgage that will end in our 90 's. 


And now I found out we have an outstanding balance of {$12000.00} against our home. We have made all of our payments, a couple of them have been late, but they have been made. This has sent our credit rating way down, making it impossible to get ourselves out of the mess.
Product: Mortgage

This refinance process with Flagstar Bank started at the end of XX/XX/2020. I have been an owner for 34 years and have refinanced several times in the past. This current process with Flagstar Bank has been very long and tiring to say the least. My wife and I are XXXX and feel we are being overly scrutinized with our credit history. We feel discriminated against. We have been asked by the bank to submit photo ID which we understand may be proper protocol. However, once this was done it appears to us that the refinance became much more difficult to obtain. We were asked twice by the underwriting agent and loan officer to submit to a conference call with a third party company XXXX to check our credit history with various institutions. We have been asked for a ton of paperwork which has all been submitted and recently the bank is now asking for where my deposits came from. We would like for the bank to treat us fairly it has been nearly 3 months and they are still asking for more information.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO HUMAN TRAFFICKING-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF HUMAN TRAFFICKING OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX {$34000.00} XXXX XXXX {$0.00} XXXX  XXXX {$550.00} XXXX XXXX {$20000.00} XXXX {$0.00} XXXX XXXX  {$1300.00} XXXX XXXX {$0.00} XXXX {$1200.00} XXXX XXXX {$1300.00}, XXXX XXXX {$1400.00}, XXXX XXXX {$1100.00}, XXXX {$1400.00}XXXX XXXX XXXX {$1300.00}, XXXX XXXX {$1200.00}, XXXX XXXX XXXX$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having an issue with the personal credit reporting agency Equifax. My credit was obtained out of fraud and i had 7 hard inquiries on my credit without my knowledge. The dates and companies are XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. I have had no issue disputing these fraudulent inquires with XXXX  or XXXX. All i get back from Equifax is that they say it is a factual record. It cant be a factual record when i have not signed any authorization for any one of these lenders to obtain my credit falsely. None of these lenders can prove i signed any intent for credit with them and Equifax is failing to do its job to protect the consumer, which in this case is me.
Product: Credit card or prepaid card

Discover has been adding a fee called discover payment protection that was not authorized by me since 2011 that I didnt notice. So I called them and told them I didnt authorize this and I want my money back. They did not hesitate to give my 6 month of it back and I said no you will give it all back that I consider it stealing from me. The lady I talked to said I only have 1 month to dispute a payment on my statement which if thats so they were more than happy to give the 6 months with no questions asked.
Product: Debt collection

XX/XX/XXXX I requested Validation of XXXX  that included if they were bonded to collect debt from me I didn't get proper validation. Then on XX/XX/XXXX I requested that the company send me the original purchase agreement showing that they were legally able to collect debt from me. I didn't get a response
Product: Debt collection

In accordance with the Fair Credit Reporting Act, Ability Recover service, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 USC 1681 Section 602 A : States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years. 15 USC 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. Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Inaccurate Account Because it is Unknown, Inaccurate, Unverified Due to Confirmed Fraud, and Due to Negligently Violated 15 USC 1681c-2, 15 USC 6802, 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( e ), 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681 Section 602 A, 15 USC 1681 Section 604 A Section 2, 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681s-2 ( A ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681i ( 5 ), 15 USC 1681g ( 2 ) ( E ) , and 15 USC 1681e ( b ). Please cease and desist all calls and contact with me, immediately. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.