23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This complaint is in regards to the consumer report belonging to XXXX XXXX XXXX XXXX. There are two inquires on my credit report that I did not authorize. The first is an inquire I received from XXXX XXXX XXXX  ON XX/XX/year> and the second inquire being XXXX XXXX XXXX on XX/XX/year>. I DID NOT authorize any of these inquires on my consumer report. Furthermore the XXXX XXXX XXXX negatively affected my score causing it to drop down XXXX points. I have attached a correspondence I received from EXPERIAN of them notifying me that my fico score decreased XXXX points. This occurred on XX/XX/year> the same day that the XXXX XXXX XXXX inquire showed up on my credit. Furthermore the FCRA proclaims that if I did not authorize this on my consumer report it must be removed. 

15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law law that backs the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) As u can see the FCRA states clearly that if a consumer does not authorize the reporting of an item to their consumer report it must be removed. I am demanding that these 2 inquires in regards to XXXX XXXX XXXX and XXXX XXXX XXXX be removed from XXXX XXXX XXXX XXXX consumer file immediately.
Product: Money transfer, virtual currency, or money service

I am filing a compliant against CashApp ( Block Inc. ) to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Payday loan, title loan, or personal loan

i took out a {$1200.00} pay day type loan from Bluetrust loans om XX/XX/2019. Now after 8 bi-monthly payments of {$220.00} totalling {$1800.00}, my pay off is still very high at {$1100.00}. If I continue to pay the bi-monthly payments, I have another 8 payments totalling another {$1800.00}. I did not pay it off immediately because i fell behind my bills and couldm't afford the entire pay off amount so I was forced to pay these predatory loan payments. I fortunately can now pay off the full amount of {$1100.00} now and be done with this XXXX predatory loan company, but not before winding up having pain in total {$2900.00} for the original {$1200.00} loan. 

If I could not afford to get out from this debt at the end I would have paid {$3600.00} for a original {$1200.00} loan.
Product: Checking or savings account

On XX/XX/2021 I deposited a USPS money order into my account at M & T Bank, XXXX, Maryland. 

Since then I have not had access to my funds as they are not available, even though M & T Bank 's letter of XX/XX/XXXX stated that my funds would be available in five business days. This letter was quite offensive and basically accused me of the unlawful act of passing a fraudulent financial instrument. Moreover, M & T Bank 's app and website both state that my funds are available. 

Unfortunately, I reasonably relied upon M & T Bank 's multiple patently false and misleading statements about the availability of funds my M & T Bank account. These false statements regarding the availability of funds in my account were published in its offensive written communication and on both the app and on the website. Customer service also " promised '' me that my funds would definitely be available on the morning of XX/XX/XXXX. 

Therefore, having a reasonable belief that these false and misleading statements from multiple M & T Bank sources were true, I have twice attempted to transfer funds to my other bank. I am unable to complete the transfers and have received additional offensive emails stating that fraud has probably occurred on my account. All this because I had an entirely reasonable belief, based upon M & T Bank 's false and misleading statements that my funds are available ; and was simply attempting to transfer my own funds to my other bank. I called customer service at M & T Bank and was informed that my funds are not available as a hold has been placed on my funds while M & T Bank does a " fraud investigation. ''
Product: Debt collection

I would like to submit another complaint regarding my AFNI , INC collection account. I am so disappointed to see this inaccurate and illegal item still appearing on my credit report. I have asked AFNI, INC. to remove their unlawful account from my credit reports with the XXXX bureaus and they still refuse. I have told them repeatedly that I was aware of their illegal tactics they utilized to obtain my debt, attack and harsh me regarding this debt and finally fail to validate this debt or show me any signatures or anything owning up too it. All they have sent me is my statements from XXXX XXXX which SHOULD NEVER have been sent to collection as I explained to XXXX and AFNI that this account was overdue on the account of MAIL THEFT at my home. I have my police report number to provide XXXX. I spoke to both parties involved and was specifically told that once the debt was paid to XXXX i would have this account removed from my credit report. But, instead, in order to shoo me off and shut me up AFNI, INC. sent me a BOGUS recipe through your portal dated XX/XX/2015. starting that my debt was resolved and that it would be updated with the bureaus. Well this is WRONg, my debt was resolves a longs time ago with XXXX, i never receive a payment slip or anything from AFNI , INC ad they have no right to hold my credit report hostage anymore. If their employees are liars and they are scamming me out of money and saying whatever they think i was n't to hear just so they get my money and then refusing me what they promised then i would like their to be a record of their lies and cheating. I will not stop until they removed this account from my files with the bureaus completely. Their account is riddled with misinformation and because they have SIGNIFICANTLY violated CFPB laws i require that they remove this account immediately. I will not suffer because of them anymore. Already they harassed me and abused me over the cell phone with their robotic messengers and they forced me to pay to delete, though i had informed everyone that i was a victim of statement theft and identity theft. I can not believe these people. they forge documents and send them through your federal database and pretend that they follow the law and that they are a legitimate company but they are NOT! They are liars and sneaky and aggressive and they forge paper work and do not validate or verify any forwarded information! As a victim of identity theft and mail fraud i should NOT have to suffer! XXXX is also at fault here, obviously they did not communicate this withe their " vendors '' who abusively collect on their behalf. They all should have know that this should NEVER have been sent to collection. Then to lie to me and say pay it so it goes away, well where? LET IT BE REMOVED or I WILL PURSUE LITIGATION! I
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a serious issue regarding my credit report. TransUnion has persistently reported a disputed account on my credit file, despite my repeated attempts to contest its validity. Although I have requested verification of the debt, TransUnion has failed to provide any supporting documentation, as required by law ( 15 USC 1692g and 1692c ). This constitutes a violation of federal regulations. I urge you to investigate this matter and take prompt action to correct my credit report, as the inaccurate information is causing harm to my creditworthiness.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX borrowed {$17000.00} XXXX of XXXX balance is still {$16.00}, XXXX I have paid over {$22000.00} and IT NEVER COMES XXXX I HAVE NOT MISSED A PAYMENT UNTIL XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person.

This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Please remove the fraud accounts!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account shows as a charge off and not Paid in Full.
Product: Mortgage

XXXX XX/XX/2020 I made an additional principal payment. The mortgage company does not apply it to principal even though I requested an additional principal payment. This is the second time this has happened. 
My bimonthly payments dont not get applied as they are paid and the company refuses to remove PMI even though 80 % of my principal is paid off and the agreement with the original mortgager ( before it was sold to these scammers ) was that it would be removed.
Product: Money transfer, virtual currency, or money service

I contacted an account under the name of " XXXX XXXX '' on XXXX on XX/XX/2023 to purchase a concert ticket to a XXXX and XXXX concert ( performing in XXXX on XX/XX/2023 ) for {XXXX The seller led me to believe that they were trustworthy and told me that they would transfer me the ticket on XXXX after I sent them the {XXXX} over Venmo. They asked that I send the money to their " sister '' on Venmo under the name XXXX XXXX, with account name XXXX XXXXXXXX. I sent the seller the money over Venmo, sent the XXXX user a picture of the confirmation, but I never received the ticket. The scammer blocked me on XXXX, deleted their XXXX account, and later deleted their Venmo account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to formally dispute the presence of inquiries on my credit report, as I have no knowledge of them and believe them to be the result of fraudulent activity. Please take immediate action to investigate these inquiries and remove them from my credit report. I have attached supporting documents to aid in your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on complaint # XXXX Experian required proof of my XXXX card as they are having issues with the number they have on file. How strange when out of dozens of disputes that I have sent to Experian they have never mentioned that my XXXX number does not coincide. This is another strategy they use to avoid removing unverified accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report Number XXXX Personal Information Listed are 10 addresses where as I only reside at one address. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX As I am aware of there should be only 1 address on my file. This has been causing mix ups with the Federal Postal Service regarding me receiving my mail. There are 3 Duplicates and multiple addresses which I do not reside. There are 10 addresses on file when there should be only 1 address. 

Also, I have asked them to investigate the following account regarding pertaining to me which I have no knowledge of. The following account are listed below. 

XXXX XXXX XXXX XXXX Account Number XXXX Date opened XX/XX/XXXX XXXX XXXX Account Number XXXX Date OpenedXX/XX/XXXX  XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX Date Opened XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XXXX XXXX XXXX Account Number XXXX Date Opened XXXX XXXX XXXX XXXX  Account Number XXXX Date Opened XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Theses are unverifiable, Inaccurate and incomplete information., I am requesting them to delete these items from my credit file due to the above information regarding not doing an accurate investigation.
Product: Debt collection

I received a forwarded letter from Jefferson Capital a collection agency that took over the balance for a Ultamate Rewards account from XXXX XXXX XXXX. I only have XXXX credit card through my parents that they manage for me. I was surprised to have received a debt collection letter for something that I am not responsible for. I called XXXX XXXX XXXX  several times and they have refused to provide me any account information for a close account. They did give me a date when the account was opened ( XX/XX/year> ) which was XXXX months after I had moved out of my previous apartment and moved in with my parents. I never received billing statements because I didn't forward my mail because I always chose to have my mail sent to my parents house. I'm a college student and paying for everything myself. I'm very responsible with my money because I have very little of it. I take full responsibility for my mistakes and right my wrongs, but I am always trying my best to avoid making them so I'm not in these situations and can have excellent credit for my future. I need some help with this. I'm not sure what to do. I've hit some walls and everything seems to point to " you need to pay for something you didn't buy '' and I don't feel is acceptable.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint concerning inquiries on my XXXX report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my XXXX report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my XXXX  information in this manner.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiry listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest this inquiry and ask that it be removed from my credit report. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/XXXX paid account off still showing negative on my credit report. 
XXXX XXXX XXXX charged off still showing negative on my account. 
XXXX XXXX XX/XX/XXXX paid off still showing negative on my account. 
XXXX XXXX XXXX XX/XX/XXXX I dont know this account and they wont take it off.
Product: Credit reporting

Trans Union is reporting a 6 and 1/2 year old charged off auto loan deficiency with XXXX XXXX XXXX as having late payments and past due payments as well as including the amount of the original loan payment as part of my monthly debt. When the auto was reposed and sold that ended the contract and monthly payments. The debt has been charged off there should not be anything reporting as current activity or payments due.
Product: Debt collection

I have never had a loan with Navient, and my name is not shnyder. I spoke to a representative and they said they would correct this but I keep getting phone calls and they tell me to call. XXXX They confirmed my identity but it continues.
Product: Checking or savings account

On XX/XX/XXXX, I, XXXX XXXX received yet another telephone call from PNC Bank regarding an Student Spend Account that was opened for my son when he was approximately XXXX-years-old. Once my son turned XXXX-years-old, he and I both visited the PNC Branch located at XXXX XXXX XXXX XXXX, XXXX, PA XXXX. My son ( XXXX ) and I, XXXX XXXX completed the required documents presented to us by the PNC Bank representative to close the Spend/Student Account and to Remove my name ( XXXX XXXX ) from the account. 

We left the PNC Bank thinking that the Account had in fact been closed after both, my son and I signed all the documents presented to us. This attempt to closed the account occurred approximately one and a half ( 1 1/2 ) years ago in the earlier part of XXXX. The account was never closed, and PNC Bank continues to harass me, XXXX XXXX, when my son overdrafts this account that should have been closed almost 2 solid years ago. Initially PNC indicated that the Student Account would not accrue late fees. Currently, the account is nearly {$600.00} over drafted due to late fees and all sorts of other charges. 

I have made multiple visits to PNC Bank and I have talked to PNC Bank Managers, and all PNC Bank Representative continually tell me that both I and my son need to visit the Bank a second time because the PNC Bank Representative that initially process the paperwork to Remove my name from the Account misplaced the documents. This is nothing more that a ruse for PNC Bank to illegally charge my son Overdraft fees. Opposed to closing the account, PNC allows the account to stay open simply to collect illegal overdraft fees. 

Please assist me in closing the Student Account and get me name Removed once and for all from my son 's Student " Spend '' Bank Account that was not supposed to be charged any late fees. 


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

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my 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 . INQUIRIES : US SM BUS ADMIN ODA |  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX, XXXX  XXXX | XX/XX/XXXX, XXXX XXXX  | XX/XX/XXXX, XXXX XXXX  | XX/XX/XXXX, XXXX/XXXX | XX/XX/XXXX, XXXX/XXXX/XXXX XXXX | XX/XX/XXXX. 
I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : DEPT OF ED/XXXX
Product: Credit card or prepaid card

XXXX, XXXX XXXX XXXX XXXX, all through Comenity Bank. I got behind in payments and they set me up on a payment plan. They took the payments were taken out all last year. They continued on charging me late fees of XXXX anyway. Now my accounts have trippled. XXXX is XXXX, XXXX XXXX is XXXX, XXXX XXXX XXXX. The customer service number is XXXX. Hardship number is XXXX. I have contacted them several times to remove the late fees but they refuse. They are definitely ripping me off. I have been given the run around. I want it stopped.
Product: Credit card or prepaid card

I had an Amazon charge card, and purchased several items with it and paid for all items. Amazon made an unauthorized charge to the card pertaining to a purchase that was made ; Amazon charged me twice for an item. I told the finance company the charge was not valid, yet Synchrony financial refuses to remove the charge. The amount in dispute is XXXX Synchrony has increased the amount to over 700 dollars. I demanded Synchrony provide proof of authorization for the charge and they ignored me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a cease & desist letter to One Main Financial on XX/XX/21 because I never gave them expressed written consent to contact me ( violation of 15 usc 1681 ( a ) ( 2 ) ) after receiving several letter via postal mail and email. The postal letters stopped but the harassing and threatening emails continued ( violation of the FDCPA ( 15 usc 1692 ( A ) ( D ) ( E ) ). No consent is fraud. I also demanded to rescind the entire transaction and was told no because it had to be done in the first 72 hours. Well pursuant to 15 usc 1635 the creditor is required to provide appropriate rescission forms for me ( the obligor ) to exercise my right to rescind. This was never mentioned to me nor was I provided any rescission forms. So the 3 business rule day is not applicable here. This is fraud and there is no statue of limitations on fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly that I am 60 days past due on XXXX partial account number XXXX. ( Please see page 12 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Mortgage

I explored refinancing an existing PennyMac loan at 3.75 to  a new PennyMac loan at 3.25. I explained that I did not see the advantage given that the closing costs would add principal to the new loan. I was told that a streamline with PennyMac would limit the closing costs and prepays to roughly XXXX because the Escrow would migrate from the old loan to the new loan. Upon review ( loan closed in XXXX ), it seems they took my old escrow and used it to reduce the principal so that the new loan appeared lower than it would have been. I immediately inquired the back in early XXXX and was told that PennyMac paid my taxes with the old escrow at closing. That did not happen. My new loan, which only had a minimal 1000.00 +/- escrow paid the taxes of XXXX and now I have a negative escrow balance of over XXXX. I contacted my mortgage officers who do not return contact. I called PennyMac today and the customer support representative sent messages to the mortgage officer team. So, in short, rather than PennyMac " eating '' the additional closing costs and prepays ( as I was told ), they used my old escrow to decrease the payoff of the new loan, did not transfer to me ( or to the new loan ) the amount of the old escrow account, and now I will be paying much more for my mortgage ( because I will have to catch up on the negative escrow ) than would have been the case had I kept the original mortgage. XXXX : They said one thing, and did another. Escrow did not migrate to new loan, and now my new loan will be much more expensive. They did NOT inform me that they would use the escrow for a principle reduction, but stated ( I quote ) " PennyMac '' will " eat '' the closing costs because it was a streamline deal for which I qualified. They simply used my escrow. Now I will have an additional XXXX to make up unless I want a major change after mortgage analysis. The old payment was about XXXX. The new payment was to be XXXX. If you factor in the extra XXXX/month to catch up the escrow, it is more like XXXX. Rough estimates. I was given objectively false information about this loan and would have kept the old loan if I had know about this outcome.