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

On the XXXX of XXXX I applied and pay the app fee of {$50.00} for XXXX XXXX. On XX/XX/XXXX on the way to go view the house the property manger called me and said I couldnt look and my app been denied because of rental history. I dont know if it did that because I was late making a payment, but it's been verified by my landlord and the property company that I dont have a rental history and I've been a tenant for 11 yrs without any evictions and I have a XXXX balance. 

On XX/XX/XXXX an account with Aldous and Associate was placed on me. Its was XXXX XXXX and now called XXXX XXXX. I've had good cause and reason and tried to provided to the gym that I need to cancel my membership due to a heath issue that may cause XXXX. I tried to pay what I owe and they woudnt accept it. The company sent me to collection and when I called the supervisor to dispute the issue, the supervisor was very nasty and cursing at me stating that they going to put it on my credit even if I had documentation from the dr or not and I will be givng them their money.
Product: Mortgage

I have been working with Lennar Mortgage 's Loan Officer, XXXX XXXX, since the beginning of XXXX. From XX/XX/XXXX to today, XX/XX/XXXX, my spouse or I have had to follow up with her XXXX times to clarify information on our loan documents. We have needed to clarify dollar amounts on the loan estimates, loan-specific information, and more. When she does respond, she rarely addresses the actual question or subject of the email. She has repeatedly pressured us to sign documents, citing the need to send them to underwriting. However, without clarity on the information we are being asked to certify, we do not feel comfortable signing. This has caused delays in our paperwork. Purchasing a home is a significant milestone and commitment that requires attention to detail and clear information. XXXX has not provided or shown either of the above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy XX/XX/XXXX this debt was discharge and XXXX continues to do hard credit checks without my authorization XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX these are just some of the times they have run my credit without my authorization I want it stopped immediately.
Product: Debt collection

This company continues to harass me for a debt that i don't owe or no nothing about.they refuse to tell me what the debt that i owe FOR. Mrs acct # XXXX XXXX. Original account # XXXX. Current account # XXXX. Debt amount {$1600.00} charge date XX/XX/2018. Thank u XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XXXX XXXX, 2023. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking # .is noted on the attached documents. 

According to the FCRA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FCRA 15 USC 1681 everything has to be 100 % Accurate.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed items to be blocked and deleted company information from XXXX and TransUnion. 

Please delete the following items : 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 reporting, credit repair services, or other personal consumer reports

I applied for mortgage loan back in XX/XX/2020 with MTH mortgage. There was a credit inquiry posted on my report from XXXX. This is understandable. However I checked my report again later and I saw an additional inquiry from XXXX and 2 more credit inquiries in XXXX from the same company. There was no new application there was no authorization for these credit inquiries. I did not authorise anybody to check my credit in XX/XX/2020.
Product: Money transfers

I have been banned from using MoneyGram. 

I have had a MoneyGram account since at least XX/XX/XXXX and maybe longer. I last used my account on XX/XX/XXXX and received an email from MoneyGram on XX/XX/XXXX regarding the new and better services they offered. 

I tried to use my online account XX/XX/XXXX to make a bill payment and was unable to " log-in '' to my account. I tried to reset my password on-line and was direct to call MoneyGram customer service. I did this and was informed that MoneyGram would no longer allow me to use their services. I was told that If I wanted to send money, I would have to use another service. Thereby effectively banning me from their services. They would not give me an explanation. 

I called back XX/XX/XXXX hoping someone with more authority would be in the office on Monday, that way my issue could be escalated. My concern was escalated to the " highest possible level ''. I was informed that my account was indeed " banned '' without any explanation and that I could file a complaint on " their '' web site if I had one. I told them I thought I was entitled to an explanation. They said they did not have to provide one for security reasons. I told them with the current attitude that filing a complaint on their website would be futile and that maybe someone with more authority, like the federal government should look into it. I also said I felt threatened and discriminated against for no reason. 

I thought maybe it was a fraud issue, so I contacted XXXX and asked them to check my identity theft account and to upgrade my account to their top level of security. They said they could find no reported issues with MoneyGram and me. I related my story to the representative. I asked them how I should handle the issue. He stated that he had never heard of such and issue with MoneyGram. He recommended that I contact the FTC. 

I would appreciate any assistance in resolving this issue. I feel I have the right to know why this happened. 

In summary, I have been banned from using MoneyGram with no explanation as to why this occurred or if this is permanent. I have done nothing wrong and have never been accused or convicted of any crime. I am a retired XXXX.
Product: Credit card

I received an email from " XXXX '' stating that my new debit card was on the way to my old address. I did not open this account, nor did I authorize anyone else to open this account. I have freezes on my credit at all of the agencies, so there is no way a legitimate credit check was done before opening this account, and in fact, I believe that Chime itself is the one committing the fraud and opening fraudulent accounts, using personal email addresses mined from the dark web, and then soliciting its victims to email and/or call them so that they can collect even more sensitive personal financial information about them. This company needs to be shut down. There are hundreds of similar reports all over the internet.
Product: Vehicle loan or lease

I purchased this vehicle back in XXXX of 2019 at a dealership were I was promised that I would get a great deal. They charged me a finance charge of XXXX and a down payment of XXXX with payments coming out to XXXX a month. In addition they charged an annual interest rate of XXXX XXXX which after checking in the state of California was way over the normal XXXX XXXX percent. Looking back, this was a loan way over normal what other lenders charge. They took advantage of my situation, I needed a car an this was presented to me as an option. Now looking back, I'm paying in total of XXXX over the course for a car that was only work XXXX which I ended paying XXXX before interest. 

After doing some research they have violated the usury laws in California and I'm asking the CFPB to help me resolve this issue. I'm consistently getting calls non stop everyday on payments that I'm behind. I've gotten threats on having my credit destroyed and car repossessed. I'm behind payments, I've asked them in the past to lower my payments or adding payments in the back of the loan but to no progress. I'm credit is ruined due to them reporting late payments, I can't refinance out of this predatory lending.
Product: Vehicle loan or lease

My complaint about Exeter is rooted in its unethical, unlawful and predatory practices. I secured my loan with Exeter in XXXX of 2022, and a warranty was added to my loan amount without my knowledge. This warranty should have been optional, and not a mandatory addition to my already high interest loan. Had I been informed about the warranty, I never would have purchased it as it was too expensive. After 6 months of paying on my car, I hadn't even touched the principal as the warranty was paid first. It is unethical to add a warranty without informing the consumer or giving them the choice to decline. This type of practice makes it that much harder to fulfill the loan terms, and 20 % + APR over 72 months for a used car is already problematic. Why add to that an expensive warranty without informing the consumer? It's taking advantage. The payments I made towards the warranty I wasn't informed of could have gone towards the actual principal amount of my loan, giving me at least the option to trade in or have some type of equity in the vehicle. This took my car loan from challenging to impossible to keep up with. Another practice I find unethical is the process for repossession. Exeter uses a company that repossessed my car from a grocery store parking lot as I screamed for them to stop and to please not take the car as I was without a working phone and holding my XXXX  child with no way to get home. On top of being unethical, this was a violation of my rights and consumer law with a breach of the peace repossession. This entire experience has been emotionally traumatizing and on top of the emotional toll, makes it nearly impossible to get another car.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXX XXXX XXXX XXXX balance {$580.00} Inquires : XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX Incorrect Names : XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Incorrect Employment : XXXX, XXXX XXXX
Product: Checking or savings account

I opened a business account with Square XXXX. I deposited XXXX check. Shortly after the check cleared and without explanation or any reason what so ever they closed my account and a I asked for the reason they closed my account and why they were holding my money for 90 days. I then waited the 90 days and they still won't release my money without explanation.i have contacted them countless times they won't tell me why and won't let me talk to anyone.
Product: Debt collection

Prior to moving out of an apartment the office demanded that all payments be made to settle the account while making the monthly payment. I PAID more for the last month of the lease than I did any other month while living at that complex. After moving out of apartment complex I was charged for fees totalling almost XXXX dollars. Innitially I contacted several team members regarding this error. Explaining that all fees were settled while making monthly payment as demanded. The office refused to accept the rent check unless these fees were included with the final monthly payment. 10 days after move out i recieved a phone call from the office stating they had not recieved the rent. Explained that I had moved out please check your records and maintenance logs proving move out inspection completed. Two months later recieved phone calls stating balance remained. Each time someone said they would look into the charges, nothing was done. When directly asked to explain the charges, no one could definitively explain how the charges were assessed after move out. I have multiple emails detailing inquiries and non follow up from the office staff. 

Further this was a joint lease with a roommate. I am being assessed 100 % of the cost not 50 % through a collection agency. Upon inquiring with roommate he is also being assessed for 100 % of cost not 50 % through the same collection agency.
Product: Bank account or service

I have had an account with citizen 's bank for over 20 years. I have direct deposit for my social security check scheduled for the XXXX Wednesday of every month and pension check deposited on the XXXX. Twice now, checks that were deposited in the back the day of the social security check came in was flagged for insufficient funds and I was charged {$35.00}. The money is on deposit at XXXX so I do not know why I was charged. There was money in the account to cover the check. Another time, I overdrew the account by {$2.00} and had {$400.00} in the same bank but I still was charged an additional {$35.00}. They " improved '' their web site and I had trouble navigating it and had reported my problem. ( I a XXXX years old ). They said I had to link the accounts yet, I could n't figure out how to do that. Lastly, after the last {$35.00} charge, I changed banks on XX/XX/2017. Even though my deposit was made on XX/XX/XXXX and there was plenty in the bank to cover the check that came in the same day, I was charged another {$35.00}. When I complained, they put an additional penalty of {$30.00} as a " service " charge and said I could not close out my account until the charges were paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Item : XXXX XXXX XXXX opened on XX/XX/2020 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of cries which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card or prepaid card

Bank of America issued to me a CASH REWARDS credit card. I earned {$27.00} on this account through the use of the card. Without warning, Bank of America closed the account, precipitously, and without cause. When I tried to have the already earned {$27.00} applied to my credit card balance, I was summarily told that since the account was closed I " lost the reward '' and will not be able to redeem it. 

The Bank eventually sent me a letter stating that my checking account would be closed and gave me 20 days to wind move my funds. They did not allow me the same time to redeem the rewards that I had already earned and that their system still shows to be earned and awaiting redemption. 

This is an exact copy of what they are showing me : Summary for Bank of America Cash Rewards Visa Platinum Plus - XXXX Total credit line : {$3000.00} Rewards for Bank of America Cash Rewards Visa Platinum Plus - XXXX Total Cash Rewards : {$27.00} Cash Rewards Go to Rewards View/Redeem Since I have earned this amount Bank of America should be required and obligated to credit my account with this amount ASAP. They refuse despite repeated requests for them to do so. 

Furthermore, they should also repay me for the {$6.00} that was debited from my checking account on XX/XX/18 and paid to Direct Checks for checks on an account that they summarily closed without cause that are now useless.

Go toMake payment for Bank of America Cash Rewards Visa Platinum Plus - XXXX Go to
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. 
XXXXXXXX XXXX XXXX  XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX Bankruptcy Dismissed DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 or prepaid card

I opened a secured credit card account with Wells Fargo in XX/XX/2009. I was told that my account would be periodically reviewed and that if my account history was good for one year, my secured account would be graduated to an unsecured account, and my {$1000.00} secured deposit would be returned to me. I have had a good credit history with them since the account was opened, with the exception of the events described below, but my account remains secured and Wells Fargo still has my money. I have never had a problem qualifying for credit since XX/XX/2009, but I think Wells Fargo will never graduate my account. I do not want to simply close the account, because in doing so, I will be closing my oldest credit account, which will adversely impact my credit score. I would like my money back, however, and for Wells Fargo to honor our agreement. 

I have tried contacting Wells Fargo about my graduation status, but apparently the review procedure for secured accounts is a secretive and/or completely randomized process that nobody in the entire company understands or can disclose. I have been contacting them for at least three years trying to make some headway, but I haven't been able to make any progress. 

I also think this may be retaliatory in nature. When I opened the account, the teller who assisted me was uninformed and created a situation. He took my secured deposit, opened a savings account with the deposit, and set up my credit card for autopay from the savings account. I expressed my concern that I didn't think I could use the security to pay the monthly statement, but he assured me that I could. Two to three months later, my card was declined, and I followed up with the branch, discovering that my card had been shut off for failure to make a payment. It was then that I discovered that I had been correct about the security deposit, as Wells Fargo had withdrawn the entirety of the deposit shortly after the account was opened, and the automatic payments were being drawn from an empty account. I was upset with the branch, demanded that they refund the overdraft fees and close the savings account, which they obliged. Because I closed their account, I think they are refusing to graduate my credit card and refund my secured deposit.
Product: Student loan

I have like XXXX accounts showing as negitive on my credit report and I only got XXXX loans XXXX are in good standings. XXXX are negative. No one wants to help me out. I keep getting the run around when I call to get this resolved. I also did not go to school in 2014 like it says when it was open. I feel that my rights have been vilotated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

My credit was hacked, I gave no known knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX does not report monthly payments to a credit report company. The last payment reported was in XX/XX/2020. I called XXXX to ask why it is not reported and did not get any clear explanations.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill legal obligation under the Fair Credit Reporting ACT ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable account unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law any my rights as a consumer.

These are the ACCOUNT I have requested to be investigated. 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 reporting, credit repair services, or other personal consumer reports

for 2 years i have been trying to contact trans union to fix my report. they have that im deseased on my credit report witch made it imposible to open a bank account, get any loans, or even worse getting my own place. i been living with a friend cause anytime someone dose a credit check on me i come up deseased and get denied, this has been very stressful for me and has made it hard for me to live a normal life for 2 years. i cant get my taxes back until all this is fixed. can you please tell me what i need to do to get my life back and live a normal life