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

I'm applying for a new apartment and they'r'e checking my XXXX, Equifax, and XXXX XXXX scores. I had a mixed file issue on my XXXX account, but I recently fixed that, so my score is now accurate there ( XXXX ). But my Equifax and XXXX reports seem to still have a mixed file issue. The apartment company told me that they're showing a credit score of XXXX something. 

After months of trying to figure out why I couldnt access my credit score on XXXX, I found out through XXXX and XXXX that when I opened my credit account like XXXX XXXX  ago, my social security number was entered with a typo. So my file and an XXXX XXXX in XXXX file got linked. Nothing flagged on my end until his credit started to tank a few years ago, and my credit score got locked on XXXX, I couldnt access it. I finally got that figured out and I can access my accurate credit score on XXXX. But I still can't access my score on Equifax and XXXX, and I believe some of the information on those reports is someone else 's.
Product: Mortgage

My Mortgage lender company failed to disclose that they did not complete my application for Morgage credit Certificate. They charged me application fees for the Mortgage credit certificate on our closing statement on XX/XX/2021. Though out the process of our house getting built we were told that we would be getting The MCC... we took our classes and provided certificates of completion and how ever when requesting the document i paid for XXXX. Kb home we received this XXXX XXXX, I did check the loan was not registered or closed with MCC. You are correct the MCC was on the file and then removed. Given the time frame since this closing has occurred I am very limited on what information I have available. 



It appears you are due a refund of those fees if they were collected as the CD shows I will need to escalate that piece and see how we can get that refund processed and confirm the fees were not mislabeled on the CD. 



Also, the guidelines may have changed and the current requirements for MCC and what was applicable at the time of your closing may not be the same. Covid had the bond agencies tighten up their requirements and guidelines and some of relaxed them in recent months. 



More to come. 


.... they mislead us into believing that we had an mcc by leaving the fees ... and now are playing it off as a mistake. I belive this was deliberately done to hurry closing process and it does not help with the credits that o would have received if they had done what they needed to do.. I am out of thousands no just the fees now...
Product: Credit reporting, credit repair services, or other personal consumer reports

account was paid off XXXX.my credit report shows a balance of {$720.00} which I never owed spoke with XXXX supervisor at acima ( business name ) XXXX and he said there was NOTHING HE COULD DO he agreed the account was paid off XXXX balance
Product: Checking or savings account

Im a XXXX XXXX, I applied and was approved for a ppp loan, my funds was deposited into my navy federal personal checking account and they decided to freeze my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recieved payday loan amount of XXXX from. Filed bankruptcy in XX/XX/XXXX and asked rep at XXXX   XXXX XXXX would this effect my credit No was her answer and now XX/XX/XXXX this inquiry is there. Midwest recovery was the creditor that was listed on the credit report however I've never heard or been contacted by this company.
Product: Bank account or service

in 1998 deposited XXXX $ in a XXXX XXXX XXXX IRA also in my daughter 's account for XXXX $ My children XXXX went to college -- i supported themwe did n't use this IRA. I Moved XXXX and when i returned home -- had time to go through my records and remember i filed it but did not get a refund. XXXX my children are adults in their XXXX 's. I contacted XXXX Securities many times but they could n't located my records ( as you can see my notes on the paper work, I was transfer to many departments who basically said they could find it -- i should contact the local who set it. so i did some research but the agent no longer worked at any of the offices here in XXXX XXXX but i tracked down agent who agreed to help me find this account but she too could not figure out what happened to my funds because i had a statement -- but she did not give she continued to research and realized that XXXX had sold some of accounts/money market funds ( i do n't the correct term and since the account numbers were not in there records it had be XXXX of the accounts that sold XXXX Right away i contacted Wells Fargo -- an confirmed that yes they buy some of the fund things from XXXX but since my account was so old- they would have to do research and that would cost. The fee they wanted to charge me to do it was unreasonable and almost more that the funds i had in my small IRA. The conversation was disturbing that i decided to wait and just walk in to a Wells Fargo to ask for help but i was frustrated and not sure what to do because after agent tracked it down or at least could tell by my account that it was an old XXXX number.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year I got a bill from XXXX XXXX XXXX for a past due account that was not mine. I called the customer service phone number on the bill and requested to speak with a supervisor on all three attempts at various times between XX/XX/2022 and XX/XX/2022 to advise of this fraudulent account in my name. 

Upon speaking to someone of an XXXXXXXX XXXX on all 3 attempts who on each separate call all confirmed themselves to be a mangers at XXXX XXXX XXXX. I repeatedly, on all 3 calls insisted the account that I was being billed for was not mine. I explained that my mobile service for the last 6 years has been through XXXX and with XXXX prior to that time frame. I also advised that my current internet and cable service is with XXXX XXXX and prior to that XXXX XXXX. Upon explaining this, at no time was any of the managers I spoke with able to find the source of the account. They repeatedly on each call transferred me to other departments in hopes someone else could find the account, which each transfer gave as little insight as the previous. No one at XXXX XXXX XXXX ever could confirm the source or service on the account. This made it impossible to address with XXXX XXXX XXXX so how is XXXX XXXX XXXX now able to just randomly report a fraudulent account from a company who could not explain the service or time frame of service being billed. 

XXXX XXXX XXXX and XXXX XXXX XXXX are both culpable parties in the perpetuation of the fraud. I was repeatedly asked by each XXXX XXXX XXXX manager if I knew what the service being billed was for, this is problematic! If XXXX XXXX XXXX was billing me and the company itself had no knowledge or record of the service account why has this fraudulent account been sent to collections with a third party that I have no affiliation, no signed contract, and no service agreement with either? An investigation of the business practices of both XXXX XXXX XXXX and XXXX XXXX XXXX is warranted here. 

The fraud that continues to persist with companies selling these account to third party collections agencies and not even investigating when fraud has been indicated.This clearly appears prevalent that the crime of fraudulent and deceptive business practices of XXXX XXXX XXXX and XXXX XXXX XXXX is a normal business practice. Neither of these companies are practicing fair business standards and I want their business practices of knowingly reporting fraudulent accounts to be investigated Immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Federal Credit Reporting Everything has to be 100 % accurate on my credit report. The HIPAA Privacy Rule sets limits and conditions on the uses and disclosures of XXXX that covered entities and business associates may make without an individuals authorization and provides individuals with rights with respect to their health information. The attached letter was sent on XX/XX/year> to Consumer Collection Management at XXXX XXXX XXXX XXXX XXXX MO XXXX. I received XXXX pages from Consumer Collection Management on XX/XX/year>. The company sent a breakdown of fees for multiple accounts and XXXX codes from XXXX XXXX formerly known as XXXX XXXX but did not provide written proof that I had give permission for them to have access to my health information. The fee breakdown included medications, descriptions, and they attempted to redacted the procedure codes but I can clearly see them on all of the pages they mailed to me. XXXX a clear violation of XXXX by the collection agency and the health system. I am requesting removal of the debt and derogatory remarks from my credit report with XXXX, XXXX, and XXXX.
Product: Debt collection

Debt Collection company MRS BPO , LLC is trying to collect on a debt I believe XXXX XXXX XXXX has not proved to be mine. I got a call from them and said it was not my information. I sent them a validation of debt letter and got a response with no social security number or birth date on the loan documents. I do not believe they have done anything wrong or harassing of me but I needed the debt to be proved it was me and they could not do that. This has nothing to do with me. They also provided me with a signature that says XXXX as my first name in docusign which could of been done anywhere and isn't even my first name as you can see in documents that are attached. It is not even my name and I always use my middle initial especially on loan documents. Unfortunately they are tasked with collecting this debt that XXXX XXXX XXXX refused to properly prove. I am uploading docs to show what MRS had sent me as prove which does nothing as I said no social security number is listed or birth date and the name is not even correct.
Product: Checking or savings account

I have tried to resolve this issue with the bank for months. 
There was a transaction to a merchant named XXXX XXXX XXXX that I made that I later requested to be refunded for. 
The tickets that I bought from XXXX were for an event that was later cancelled due to the unprecedented events caused by Covid-19. 

I have asked the bank disputes team to ask the merchant to get the charge back without success. 

I hope this entity can help.
Product: Credit reporting or other personal consumer reports

I entered into a settlement agreement for the balance due on my Paypal XXXX ( through synchrony bank ). The agreement states that once the final payment is made, they will update the account to current and as settled for less than full. They have been reporting it late, and even reported it late for this month despite me making the final settlement payment. I called and asked when they would be updating it, and they said 30 days. I told her that the system is expecting me to make a payment by XX/XX/XXXX, and thats less than 30 days. The representative said that is because the system doesnt recognize the settlement agreement and I may have another late payment reported for XXXX, even though im not late. I made all of the settlement payments that were agreed on. Now they may damage my credit further, so they can have time to update their system? Thats not fair at all. When someone meets the requirements of a settlement agreement they should be promptly updating the account to the credit bureaus. Not only that, but when I disputed it, they intentionally reported it as late, in response to the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was told that my account would show XXXX balance & stated paid in full if settled a debt a few years ago. Little worried as it shows on my record until 2026.
Product: Payday loan, title loan, or personal loan

I received an e-mail on XXXX/XXXX/2017 with an actual loan approval contract indicating that I was approved for an {$8000.00} loan with Prosper. I called the number on the contract and I was told that I had been approved and that they needed more information before the monies would be deposited in my bank account. I was hesitant because I had been denied by various other lenders for a loan because of poor credit. The number that I called was the number that was on the loan agreement.. ( XXXX ) XXXX. They told me that they were based in Florida and that the Corporate headquarters was in XXXX XXXX. I told them that I would get back to them and that I had not made the decision to accept the loan at that time. I went on the internet and looked at the Prosper website. On the website Prosper had XXXX number not a XXXX number and I called the XXXX number. Prosper told me that they had not approved me for a loan and that most likely this was fraudulent. I told Prosper that their Company name was being used to create fake loans obviously. As it stands, I have not signed the contract. The folks at the XXXX call my number 5-6 times a day and leaving messages. They are constantly harassing me. I have attached a copy of the loan agreement from them
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$36000.00} XXXX XXXX XXXX Balance Owed : {$290.00} XXXX  XXXX Balance Owed XXXX {$9600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Closed accounts for no reason.. 

Left me stranded in XXXX with no credit. 

They closed my checking and I could not make min payments. 

I have no access to credit or my checking account! 

Im left homeless in the cold with no money Need help!
Product: Credit card

XXXX XXXX does not want to solve any of the claims I filed, and instead closed my accounts and washed their hands. However, they were very wrong as they can't just wash their hands and leave. They need to reimburse me for all claims I made ( and provided proof for ), and lower my credit balance. I will not make any more payments to the {$XXXX} they say I owe because i really don't owe them anything and besides I dont have the money to pay for purchases I never received or were different than advertised.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX. Account # XXXX XXXX ACCOUNT # XXXX XXXX. ACCOUNT # XXXX XXXX. Account # XXXX XXXX  XXXX. Account # 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX RE : XXXX Rewards Visa Card application Dear XXXX XXXX : I have received correspondence forwarded to XXXX XXXX XXXX XXXX XXXX XXXX XXXX from the Consumer Financial Protection Bureau . I understand your concerns about a fraudulent application, and would like to detail the results of my investigation. 
As part of my investigation, our Fraud team performed a thorough review of the account in question. After careful consideration of all information available to us, we were able to approve your fraud claim. I confirmed the account has been closed as a fraudulent application. A request has been submitted to the consumer reporting agencies to delete the hard inquiry from your credit report. Please allow up to 60 days for the change to be processed by the consumer reporting agencies and reflected on your credit report. 

As you can see above the consumer has reported that this is a false inquiry and it has not been removed from my TransUnion credit report even though this information was sent to me back in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion & explained that this account for XXXX & XXXX does not belong to me and is a FRAUD opened accounts. I have provided them with a police report & identity theft report with this information, yet they still continue to report this account. These accounts need to be blocked and deleted from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX by Experian reported an accident on my XXXX XXXX XXXX XXXX that I bought pre-owned from a reputable car dealership almost two years after the reported accident dated XX/XX/XXXX. I purchased the car on XX/XX/XXXX, and I received a clean and clear XXXX report, and XXXX Report with no reported accidents on either report, prior to purchasing the vehicle. I went to get a value on my car on XX/XX/XXXX and the appraisal had a reported accident on it that has an accident date of XX/XX/XXXX which is almost 2 years after I purchased the car. I then filed a case # ( XXXX ) with XXXX by Experian asking them to remove the accident, because I have proof there was no accident prior to the purchase of my vehicle. XXXX response was to go back to the previous owner for a response and they could not remove the accident report at that time. I went to the dealership and the dealership gave me a new XXXX report and told me the accident on the XXXX  report is incorrect or error and XXXX  should remove the reported accident. I again, sent an email to XXXX for the same case number ( Case XXXX ) and spoke with XXXX at XXXX asking to have the reported accident removed, because I went to the dealership and they confirmed the accident was indeed an error and should have not been reported, and his response to me was that nothing can be done to remove the accident from the XXXX  report and if I want to know the repair shop that reported the accident, I will have to get a subpoena. No other information is provided about the accident other than the date of the accident which seems irrational. 
Here are the issues with this problem : 1. ) This accident reported on XXXX has caused my car to lose at least {$2500.00} in value and I wouldnt have purchased the vehicle with a known accident. 
2. ) XXXX response is that any auto repair shop can report an accident at anytime even if the accident was more than 30 days after a repair, which is out right unreasonable and should be regulated for consumer protection. Accidents or repairs should not be reported later than a specified time frame such as 30 days for a repaired accident. 

I attached the reports to this complaint. Something must be done to fix this issue. Please let me know if you need anything else to proceed. 

Thank you for your help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$1200.00} XXXX XXXXXXXX {$650.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After getting a copy of my Equifax credit report ( credit report number XXXX ) I called customer services Today, XX/XX/XXXX at XXXX XXXX Pacific time to initiate a dispute for hard credit inquiries that I did not recognize : XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XXXX IXXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX -XXXX XXXX XXXX. 

I don't think it is unreasonable to ask for an investing since the companies have no record of the inquiries and none of these companies are listed with accounts on my credit report. It is also my responsibility to check my credit frequently for potential errors. 

I had a very confusing phone call with a super visor at Equifax that told me that it is Equifax policy not to investigate credit inquiries and that the inquiries are a fact of record. Well, what about all the credit information on my credit report? Does that mean none of the other information can't be disputed even if there is an error? I was under the impression that any information believed to be inaccurate can be disputed? I ask all this questions to the Equifax super visor and was only told that Equifax does not dispute credit inquiries. I was stunned to find out that the rules in the FCRA dont seem to apply to Equifax and that the company can set its own policies/rules for credit reporting. All this is very surprising to me coming from a company that had a data breach as recently as XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Hard Inquiry on XX/XX/2022 was placed on my credit report by Capital One. The was no account number or card number provided by Capital One when i had called, I'm assuming there wasn't a card sent out. I would like for this hard inquiry to be dealt with.
Product: Vehicle loan or lease

I bought this car, XXXX XXXX XXXX, in XXXX. I am so XXXX down ; between XXXX XXXX XXXX XXXX. I tried to surrender the car during XXXX due to no income. Credit Acceptance refused to come get it. Interest was still accruing. Fast forward a couple of years, I make minimum payments because after COVID, Credit acceptance decided to repo the car, I paid to get it back and then they arranged a payment plan to catch up on the loan that was no way affordable, they knew that, but I had to have a car. My past due balance is now over {$11000.00} and shows balance owed {$22000.00}!!!!. They are completely ruthless. How are people supposed to live when their car payment and interest eats their entire income? Yea, I got behind, but with the interest rate and fees, there is no way I can catch up