23daVinci/CFPB_Complaints huggingface dataset:
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 Account Name : XXXX XXXX  Account Number : XXXX Account Name : Unknown Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and 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 reporting 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: Credit reporting or other personal consumer reports

On XX/XX/2022 a hard inquiry was listed from Tidewater Finance Ive made several attempts to call the company for proof of reporting information however I was put on hold and this situation was never resolved.
Product: Debt collection

I have been receiving calls stating that there is a debt that I owe, however the " so called '' law office would n't supply any information.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have tried calling to have 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 removed. I was recently notified that CFPB has filed a lawsuit against the company XXXX. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I am requesting all of these Inquires be removed or corrected immediately as its affecting my chance of getting a house, car and more. XXXX violates my rights as a consumer, as well as federal laws.
Product: Debt collection

THIS COMPANY WAS CALLING BACK IN XXXX OF 2017 A PERSON SAY ING THEY GONE SUE ME THEY GONE SERVE ME WITH PAPERS CALL THIS NUMBER TO STOP THEM FROM DOING SO. THEY KNEW THE ADRESS TO MY JOB AS WELL. THEY CALLED MY HR DIRECTOR LEFT THIS HARRISING PHONE CALL. THEY HAVE CALLED ME WITH IN THE PASS TWO WEEKS NOW ITS LIKE A ROBOT THEY CALLED MY AUNT CELL PHONE AS WELL. I TOLD THEM THEY HAVE THE WRONG NUMBER STOP CALLING THEY WILL NOT STOP. PLEASE HELP ME SO THEY CAN STOP HARRISSING ME SHE SAYS HER NAME IS XXXX XXXX PLEASE CALL XXXX REGUARDING THIS MATTER. WHEN THEY CALLED IT POPS UP UNKNOWN. THEY HAVE BEEN CALLIMG ME AT LEAST 3 TIMES OF DAY. 
I TOOK A PICTURE OF MY PHONE BECAUSE I GET VM THREW TEXT SO THAT YOU WILL SEE THIS INFORMATION
Product: Mortgage

My Mortgage was purchased. PHH Mortgage Services is the service company for my Loan. When I purchased the home through the original mortgage company ( Bank ), I was not required to have flood insurance. The documentation in the closing documents demonstrated the fact that the existing structure, is not affected and is not in the flood plain. 

PHH Mortgage is now stating that I have to have flood insurance. They are threating to force-place flood insurance even though I have supplied the supporting documentation. They will not respond to emails and are heavy handed. 

I do not see how PHH Mortgage can now change requirements or what was agreed upon previously. In making the legal transfer of a right, I do not see how they can now require the flood insurance. If they would have carefully looked at the closing documentation they should have seen that flood insurance was not required.
Product: Credit reporting or other personal consumer reports

Equifax is in violation of Section XXXX ( c ) and XXXX XXXX XXXX on XX/XX/2024 I sent a request to block information that was a result of identity theft that included my proof of identity, the specific information that is a result of identity theft, and a copy of my submitted Identity Theft Report with the Federal Trade Commission. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- On XX/XX/2024 they sent me a letter stating they are refusing to block the information named in my request because I need to provide " my proof of identity, the specific information that is a result of identity theft, and a copy of my submitted Identity Theft Report with the Federal Trade Commission ''. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- They have already receive this information, and the XXXX business day timeline to block said information has already passed. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This information has also been reinserted on my credit report without notice which is also a violation of XXXX XXXX XXXX
Product: Mortgage

I am trying to refinance my Wells fargo home mortgage with another lender. Wells Fargo can not meet the new interest rate, so they are actively trying to stop my refi. I have a credit rating of XXXX, and many accounts with Wells fargo. 

The have delayed the subordination request by 6 weeks. They claim their office is overworked. This has cost a very expensive rate lock to expire. 

They are currently delaying the payoff amount needed to close the refinance by 2-3 weeks so far. 

They are bleeding mortgage customers due to their uncompetitive rates, and this is their attempt to hold on to customers. 

I have phoned and emailed multiple times to try to get them to do their job.
Product: Credit card or prepaid card

On XX/XX/XXXX I received an alert from XXXX that a new account had been added to my credit report. I did not apply for any new account and was baffled as we are currently building a house and we cant apply for credit right now. XXXXFortiva applied and placed a {$1000.00} credit card on my account without my permission. Ive never had a card with either company and have not used this service sine XXXX. I put in a dispute with XXXX as I dont apply to the card and suspected fraud. I called the company and asked why did they add an account I didnt apply for. He could not give me a reason but stated a card was in the mail. I never applied for the card and asked that it be removed from my record and not just closed off my credit report like I closed it because I never applied for it. I told them this had to be illegal because I did not give permission. I just dont want them to do this to anyone else. If I would have wanted a card from them I would have applied two years ago when I use their service. Please help. Thanks.
Product: Debt collection

This credit collection company has been harassing me on a daily basis from numbers varying by XXXX or XXXX digits at the end, sometimes even numerous times a day. I called them back 6 times today and told them on every recorded line to never call me again and many of the collector agents responded with abusive/insulting language, not letting me talk, or hanging up on me. XXXX has already dropped my credit because of this debt by over XXXX points for the next XXXX  years. Theyve single handedly ruined any chances I XXXX have at securing housing, loans, assistance, etc on top of being XXXX and already less likely to be eligible for these things. 

Ive disclosed XXXX a XXXX federal worker. Not to mention today is my birthday and they couldnt even wait XXXX more day to go back to harassing me. 

Theyre making my life significantly harder than it already was, its unbearable, and my livelihood has been significantly damaged as a result of XXXX Bank and XXXX XXXX XXXX XXXX.
Product: Checking or savings account

On XX/XX/2024 I opened a new checking account with bank of Hawaii. I funded with my XXXX  checking account for {$500.00}. On XX/XX/XXXX a letter was mailed to my residence stating they suspected a fraudulent account opening, and that my account had been closed. My {$500.00} initial deposit was reversed, and when I called 2 weeks later to ask about it, they said it would take 7-10 business days to process, meaning I should have got that money back in my XXXX account on XX/XX/2024 at the latest. Upon receiving the letter I also called and they said I could mail ID, passport and a bank statement to get my account reopened. So I sent those on XX/XX/XXXX. I called again after XX/XX/XXXX for help regarding my initial funding as Ive never had a problem with money disappearing like this, and they said it was a problem on XXXX  end, as they neeeded to accept the fax, and the rep told me all I could do was wait a few days and watch my XXXX  bank account to see if the money would come back without any other form of notification. It is now XX/XX/2024 and Ive heard nothing from bank of Hawaii about if my account will be reopened or where my {$500.00} went.
Product: Money transfer, virtual currency, or money service

I called in on the evening of the XXXX shared with Crypto.com that it looks like my bank card got deducted 4 times and I only deposited twice on the XXXX of XXXX to start my account. They will not let anyone call in only chat to talk about accounts now They said they would contact me back in the morning with and update. I wake up to your account has been terminated and we have the right to do this and do not have to explain why. I tried to find out the reason. I even told them in my chat I had talked with my bank and never tried to stop payment on 2 deposits, that my bank said all looked good and there was not 4 deducts it only looked like because they were pending at midnight. 

I have pics of my chats explaining and my account was still terminated NO chances to talk with anyone and now I have been told I have no access to my wallet to remove my funds. I even asked what happened if I had a million dollars in my account do you get to keep it and then no comment, This is so disheartening it makes me sick in my stomach. 
Can anyone help me talk to someone about getting my account back open or at least get my funds back. I do not have much money to be doing this. 
The app is very user friendly I like it a lot and I had 3 more friends that were going to download but not now they are freaking out like me, if they can just terminate an account for any reason and keep the funds, That is scary. I have all chat pics Please help if you have any ideas.
Product: Mortgage

My loan was sold by Nationstar Mortgage in XXXX 2015. There was an escrow amount of {$3700.00} in my account. Instead of paying the taxes for that quarter, the company claims they sent the funds to the new servicer XXXX XXXX XXXX ( XXXX ) /XXXX. However XXXX claims that they have not received the funds and in turn raised my mortgage payment to account for the escrow deficiency. This has negatively impacted my credit because I was unaware. In addition, every time payments were made to my tax collector, it went to the arrears amount which resulted in late fees and penalties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts on my credit report that I have not opened before. From EOS CCA
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, To my surprise I have a late payment registered ( 3 days late, my payment was set to autopay by me, as always ) on my consumer report by XXXX XXXX XXXX, but I wasn't late nor have I ever had a late payment in my 29 years of life. 

This is causing significant damage to my personal life and maXXXX cause me to not find any housing and end up homeless. I have sent a handwritten letter addressed to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, DE XXXX XXXX. 

I have not gotten any progress. I kindly request that you aid me into investigating this issue, and help me get this fixed on my report. 

Kind regards, XXXX XXXX
Product: Credit reporting

Non-bankruptcy derogatory items that are more than 7 years old from the date of original default remain on my credit report. Negative items are reported twice - once as the original debt holder and secondly as collections items by a agency. This creates the impression to a prospective creditor that I am a higher credit risk than I actually am, because I have twice the number of derogatory items than I should! Inquiries that are more than 2 years old still remain on my credit report.
Product: Debt collection

I received a notice from Aldridge Pitt Hann LLP in XXXX stating I owe {$3100.00} on a XXXX  XXXX XXXX  card. I made a payment in XXXX, XXXX, and XXXX. On XXXX I received a letter dated XX/XX/XXXX telling me I had 30 days to respond. On XX/XX/XXXX, ( not even 30 days later ) the firm did an initial filing for a wage garnishment for the full {$3100.00}. I only owe {$2800.00} at this point. I filed this complaint because I don't know if the company can take me to court if I am already making payments to them. A former employee of theirs left a XXXX review stating the firm has unethical practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello : The reason that I am writing is I recently received an email from Experian. The email stated that my XXXX score dropped by 5 points. The email did not provide an explanation. I tried to contact this worthless company but they just want to sell me a membership. This has to stop. I cant find any reason that my score would drop. ALL OF MY BILLS ARE PAID ON TIME. I want an opportunity to challenge this decrease but the company doesnt answer the phone and doesnt publish an email address. I wrote to the Whitehouse asking that these credit bureaus be forced to shut down until the economy is open. Please consider how you would feel if I tampered with your credit score.
Product: Money transfer, virtual currency, or money service

I have not had any transfers or mobile wallets or digital transfers or wire transfers. Ive never had XXXX XXXX. Ive never had any kind of Western Union or XXXX XXXX XXXX. Ive never transferred money ever from my account but theres wire transfers I know and XXXX XXXX in western unions those are fraud. When I contacted Western Union and they told me that I needed to contact the local police department. I received an email from them and I told them I have never made an account with them and the lady had told me while I shouldnt I need to go to the local police department and she was deactivating the Western Union account that was somehow created.
Product: Debt collection

they knew covid 19 hit us seriously, XXXX XXXX constantly harassed me I dont have the money to pay them back, havent been back to work since the pandemic started they knew i had multiple deaths at the time.
Product: Checking or savings account

I made a XXXX transfer from another bank account I have into my Atlantic Union Bank joint checking acct for XXXX around XXXX XXXX  on XX/XX/XXXX. These funds were placed in my available balance immediately making my available XXXX. I then transferred XXXX out of my joint acct into my single checking acct at Atlantic Union. My available balance was left at XXXX and was never negative. 
On XX/XX/XXXX, I was charged a XXXX overdraft fee for the XXXX I transferred out on XX/XX/XXXX AFTER the money I transferred from my other bank had been made available to me for use. This is beyond misleading to show funds available and allow them to be transferred out and then charge an overdraft fee for that. 
I called about the fee that was charged on XX/XX/XXXX at which time my negative balance after the XXXX fee was XXXX. This points to a problem since my total negative was less than the fee charged! Atlantic Union refunded the fee charged XX/XX/XXXX as a " courtesy '' but then told me that ANOTHER fee was going to come out because before they charged the fee on XX/XX/XXXX, I had move another XXXX into the acct on XX/XX/XXXX before they took the first fee out and then immediately moved XXXX to another Atlantic Union acct. AGAIN, these funds were available to me when I did this. So then they take that first XXXX fee out and then post my transfer AFTRR the fee, which makes it look like I also overdrew on the XXXX transfer out. So they charge me ANOTHER fee of XXXX. This is insane. My balance is again negative XXXX which is still less than the fee charged. I'm being charged a fee because of a fee and that is crazy! My available balance was never negative and I never initiated a transaction before funds were in my balance to use. The posting logic of this bank is set up in a manner to drive fee income and take advantage of its customers when funds are already low. I want a refund for the second fee assessed to my acct. I want to point out again that my acct balance was never negative and although I understand that you can't initiate a debit and THEN move funds in to cover that debit I did my credit transfers first, checked my available funds and initiated debit after that and based on what was AVAILABLE to me. 
Fix your posting logic or eventually you will get be involved in a lawsuit. Bigger banks have already gone through similar disputes in court and lost.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unauthorized hard inquiries on my credit report, specifically with TransUnion. Despite my repeated efforts to resolve this issue directly with TransUnion and the company responsible for these inquiries, they have refused to remove them from my credit report. 

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I noticed multiple unauthorized hard inquiries listed on my TransUnion credit report. I disputed these inquiries directly with TransUnion through their representatives over the phone, but I was informed that the option to dispute hard inquiries online had been removed. Instead, I was instructed to dispute these inquiries by mail, despite having already submitted disputes on the aforementioned dates, with no resolution. 

The unauthorized hard inquiries are the result of actions taken by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have confirmed that these inquiries were made without my permission or authorization. Furthermore, as defined under 15 U.S.C. 1693 ( a ) 2, nor have I ever authorized any credit inquiry or report to be obtained from them. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which prohibits any person from using or obtaining a consumer report for any purpose unless : The consumer report is obtained for a purpose for which it is authorized to be furnished under this section ; The purpose is certified in accordance with 15 U.S.C. 1681e by a prospective user of the report through a general or specific certification. 
These unauthorized inquiries clearly violate these provisions, and as such, I am requesting the immediate removal of all hard inquiries related to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my TransUnion credit report. The inquiries were obtained without my consent, and the company failed to comply with the legal requirements outlined in the FCRA. 

I have also filed a report with the Federal Trade Commission ( FTC ) regarding these false and unauthorized hard inquiries. Despite the involvement of the FTC and my ongoing efforts to address this matter, TRANSUNION has refused to take appropriate action to rectify the situation. 

Enclosed are copies of relevant documentation, including my previous dispute attempts, any correspondence with TransUnion, the FTC report, and any supporting evidence showing that I did not authorize these inquiries. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter promptly and ensure that TransUnion takes the necessary actions to remove these unauthorized inquiries in accordance with the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, XXXX XXXX is inaccurately reporting a balance and past due amount of {$700.00} on my credit report for an account that has been charged off and resold to another creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX allows companies to place extremely old items on my report. I have had collection accounts that were recently placed on my report that deducted 23 points. I had it IMMEDIATELY REMOVED my score has never gone back up. They allow 1 car purchase inquiry turn into 15 individual inquiries. I know that they are not contacting the companies correctly for my disputes because I have documentation and they tell you to Mail it or call the creditor. I want my credit report to be 100 % corrected. I have been told that I can only dispute something one time. My score NEVER recovers when they allow accounts that are fraudulent or outdated to be placed on your report. I would like a executive to go over my account that SPEAKS ENGLISH VERY WELL. I would like my score done correctly. Including the inquires. They take 33 points off because of 2 inquires and when they finally came off I got 11 points back. This company is solely driven by the companies that pay them to report their accounts. The actual consumer gets roadblocks and data breaches. This company should never be allow to function as a agent for good people trying to succeed in life.
Product: Credit card or prepaid card

On XX/XX/XXXX I attempted to pay my bill via the online website but could not get the transaction to post until 1 hour past their EST deadline, however they were able to complete the ACH that evening and post it by the following AM. 

I immediately contacted Capital One and they reviewed the situation and agreed with the error and reversed the automatic late fee. 

On XX/XX/XXXX I was incorrectly then assessed {$73.00} in Interest Charges. I contacted Capital One via phone on the evening of the XXXX where they refused to reversed these charges.
Product: Credit card or prepaid card

I submitted a claim. It was denied on the grounds of fraud by Bank of America unemployment. Over XXXX was withdrawn from my account from an ATM. This occurred in XXXX. I was a victim of fraud. My card was completely shut off then turned back on. I then disputed this transaction and was denied because I couldnt prove that it wasnt me who took the money out of the account. The burden of proof does not fall on my behalf and there was no reason to deny my claim or evidence to deny my claim. Bank of America simply did not credit me my money back and continued to deny my claim.