23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I bought my house with a mortgage loan through Wells Fargo in XX/XX/XXXX. For nearly 12 years I paid my principal and interest payment with Wells and took care of my property taxes and insurance myself. However, Wells decided that they needed to set up an escrow account and without my permission raised my monthly payment from {$2300.00} to over {$3600.00}. This put me in a major hardship ; I am on fixed income ( military pension -- served in the XXXX XXXX ) and due to medical problems I had to take an early XXXX. I was overwhelmed with medical bills and the huge increase by Wells was the straw that broke the camels back. I contacted Wells and made an appeal to eliminate the required escrow account. I was told that while in appeal I could make the regular principal and interest payment. After a couple of months my appeal was denied. I was told that the payments that had been made were not credited to the loan because they were less than the expected payment. Yet another misrepresentation and questionable action by Wells Fargo. I was told that I needed to pay the $ XXXX monthly payment. Even though this is more than half of my monthly income I did my best and made the payment for several months. Then Wells Fargo contacted me and said they would no longer accept this payment from me. I tried to apply for a modification. Wells Fargo said they would open a review, then I was told that they were not going to review me ( no reason given and no decision given ) and that the file was being forwarded to a foreclosure Attorney. 

I know that there are government and internal programs available to assist struggling homeowners in my situation, yet Wells Fargo is denying all access to these programs? They wont even consider me for a modification? What about my years of service to my country in the XXXX? What about the fact that I paid this mortgage on time each and every month for over 12 years or the fact that Wells Fargo received XXXX XXXX dollars in bailout funds? I had to retire early due to medical issues and am saddled with medical bills at this time. Although I receive a generous pension from the military, the current payment Wells Fargo is attempting to shove down my throat is more than half of my monthly income. I know that there are options available such as modification, forbearance agreement, a restructured term or even a repayment plan. However, Wells Fargo has chosen to deny access to all of these programs and informed me that they dont even want to move forward with a review for assistance. This is wrong. Instead of allowing me a chance for these programs they referred my case to a foreclosure attorney. Isnt Wells Fargo required by law to conduct a review of my current and correct financial information to determine if I qualify for assistance options. Instead of following this protocol, Wells Fargo has decided that they are the judge, jury and executioner. This is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
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.

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 informationisinaccurate.
Product: Bank account or service

My father open a certificate of deposit with XXXX XX/XX/XXXX naming me as the POD, I have rec 'd interest earning statements up until XX/XX/XXXX nothing after that date. XXXX was acquired by PNC Bank in XX/XX/XXXX. My father passed in XX/XX/XXXX. I put all of his personal papers away. recently i was cleaning and came across this paper work and started my inquiry with PNC bank only to be told that no records exist and I should check with the XXXX unclaimed property office and XXXX office. I called both offices with no results. I furthered my research by visiting a branch of PNC bank. my inquiry was taken and forwarded to the Regional branch Manager, who was to contact me regarding this account. That was on XX/XX/XXXX. I have yet to receive any communication. my calls back to the branch I visited only get the same response. The Mgr. will call you. No response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification that my credit score had gone down and there is some unknown XXXX XXXX CHARGE THAT IS NOT MINE FOR {$510.00}!!!!!!! HOW MANY TIMES DO I HAVE TO DEAL WITH THE XXXX AT XXXX  AND EQUIFAX ABOUT THIS ISSUE???? They have removed and put back on this same XXXX over and over AGAIN!!!! I DO NOT AND HAVE NOT HAD XXXX  XXXX!!! THEY HAVE TRIED THIS BEFORE ONE TWO AND THREE YEARS AGO AND I FOUGHT THIS XXXX OFF WITH XXXX!!!! I TURNED THE EQUIPMENT IN AND HAVE NOT HAD XXXX SINCE 2015!!!!! 
GET THIS XXXX OFF OF MY CREDIT REPORT NOW BEFORE I SUE XXXX AGAIN
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax because I have 42 hard inquires that werent made by my knowledge and I had no knowledge of.

I asked if they were able to remove them and they denied to.

I stated that under the fair credit reporting act ( Frca ) requires all unverified and unauthorized items must be removed from my credit report.

They still denied.

I have listed the following hard inquiries to see if this can get resolved. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

ON XX/XX/19 I disputed the XXXX  XXXX XXXX account with Transunion because the account contained two violations. I stated that the open date on this account was inaccurate. It is a collection account but it is reporting a past due balance which is also a violation. Transunion re-investigated the account and did not delete it per my request. They didnt even update it so clearly the account was never re-investigated. Transunion is in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am not a credit user. only had one card in my entire life and its no longer active. there are many collections appearing on my credit report from places i have never heard of. someone ha taken my identity to falsify these accounts
Product: Money transfer, virtual currency, or money service

My tenant has been using XXXX to transfer funds from her XXXX XXXX account to my Bank of America account since XX/XX/2017 without a hitch. The funds have been transferred within minutes as per the marketing claims, until last month. Suddenly, whenever she transfers the rent money the funds are being delayed. I called Bank of American about this last month and the guy said it sometimes takes up to XXXX hours for a transfer from another bank to go through. Then, almost as soon as I got off the call, my money was released into my account. 
They held the rent transfer again this month. When I tweeted BofA_Help about it they didnt respond, so I called this morning. Today, they said it takes one to three days for transfers from another bank. I informed them that I checked both their web site and XXXX and they both say the same thing. Transfers from new registrants may take one to three business days. I asked for an explanation as to why only these transactions are being held and they couldn't give one. There has been no change in the tenants bank so she did not have to re-register for XXXX and there is no reason for them to withhold my funds. 
For the record, other transactions from this same person have gone through without a problem within the last two weeks. Also, I have no problems receiving funds via XXXX from people who bank at XXXX or other banks. All of those transactions have gone through without a problem so their foolishness about transfers from other banks taking one to three days is absolutely not true.
Product: Checking or savings account

Hi there, on XX/XX/XXXX my card was used without my authorization at a XXXX in Ohio for {$310.00}, and XXXX XXXX in XXXX XXXX XXXX, Utah for {$10.00}. I live in XXXX, NC. I got a refund for the XXXX XXXX directly for the {$10.00}. I had to dispute the charge with XXXX on XX/XX/XXXX. On XX/XX/XXXX, my bank, Current Bank took {$310.00} from my account with no notice. The charge says Dispute Lost-Credit Reversal. I received no written or email notice that I lost the Dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXXXXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EXPERIAN, XXXX AND XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the following accounts completely from my Credit Reports : ( Late/Open : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$490.00} )
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act. ( CFPA ). Specifically, Cash app 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: Credit reporting, credit repair services, or other personal consumer reports

I should not have to send in documentation to get a fraud alert off of my credit report that I clear said No to over the phone they removed it for me the next day but then it reappeared now you want me to use my money and my resources when your company is the one who placed the false fraud alert and the false consumer statement you claim I made. I dont have time for that all my information is up to date and has been the same for 8 years why are you trying to extort me out of documents I dont respect this approach just remove the fraud alert that one of your employees made I would never in my life authorize a fraud alert I utilize authorized users clearly as you can see and everyone knows fraud alerts are not compatible with authorized users posting.
Product: Credit reporting, credit repair services, 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. 
XXXX 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 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was reviewing my credit report and noticed that XXXX had taken off good information on my credit report That resulted in taking my credit score down XXXX points. I called customer support and they told me that there was nothing they could do about it. well the next day they put everything back on my report and damaged it even more. My rights have been violated so heavily at this point I was denied credit for the emergency relief for COVID -19 and also caused me to have a XXXX XXXX I worked very hard to establish credit and I am very faithful at paying my bills on time.The other bureaus Equifax and XXXX are XXXX pts more than XXXX and they have all the correct information on them. XXXX has put accounts on my report that were taken off years ago and have them on there as open account and they are closed. This has caused me so much stress and havic. It is erroneous information that they have tried ro clean up due to my complaint with the better business bureau. They have really caused a big problem. I want my report corrected and the score that I deserve. The account put back as they should be and the information taken off that should be off. This is really time consuming, and costly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had used the app to lock my credit as im a victim or identity theft. I tried to before a loan. Several creditors couldnt pull my report. I contacted equifax over 17 times over 5 days all saying my credit can be pulled but i applied for 5 cards and a car and NONE could get my equifax report. Equifax has consistently showed extreme negligence in handling any issues. 

They also refused to remove identity theft from my report after receiving police reports and identity theft affidavit when the other bureaus did, equifax refused. They also refused to reinvestigate. 
This is now the THIRD time equifax has violated the FCRA ontop of the breach recently. 

This completely shows a constant complete disgregard of the law and gross negligence on a daily basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company Name : Protect My ID for XXXX members managed by Experian On XXXX XXXX, XXXX I received a email stating that my account with Protect My ID would automatically renew on XXXX XXXX, XXXX and my credit card would be charged {$89.00}. XXXX There is no way to remove your credit card information on the web site XXXX. 
After reviewing the cancellation policy on their web page I tried to contact their XXXX customer service telephone line to cancel my account. I gave up after waiting for XXXX hour and XXXX minutes. 
On XXXX XXXX, XXXX I again called the customer phone line an again gave up after waiting XXXX hour and XXXX minutes. 
As stated in their terms and conditions I then sent an email to their customer support email address. The following day they responded, against they 're stated policy in their terms and conditions, that they could not handle my request via email and I would have to call the customer service phone number. I waited until XXXX XXXX, XXXX and tried to call again. This time I was on hold for XXXX hours and XXXX minutes before I gave up. 
I have followed their terms and conditions and now have sent a certified mail letter that has been notarized to the address provided. 
This company is a scam. There is no customer service provided. I have received nothing at all from them during my year of membership. If I wanted a credit report or my XXXX score, I had to pay extra, above my yearly membership, for them. No notice of credit card, loan, or bank account activity has been received through the year either. 
If they go ahead and charge my credit card I will dispute the charge through my bank. 
From they 're web page : Cancellation : You may cancel at any time during your membership. To cancel your membership please contact us and ( i ) provide your first name and last name, XXXX ii XXXX the email address associated with the account you would like to cancel ; and XXXX iii XXXX the customer number associated with the account you would like to cancel. You may contact us in the following ways : Phone : XXXX Mail : ProtectMyID, Attn : Customer Care, XXXX. Box XXXX, XXXX, CA XXXX Email : support @ protectmyid.com This address provided is different XXXX they 're customer service address with is : MAIL : ProtectMyID.com XXXX : Customer Care XXXX XXXX XXXX XXXX, TX XXXX
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 XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

I hope this letter finds you well. I am writing to express my serious concerns regarding what appear to be violations of security regulations by your company. It is with great disappointment that I must bring this matter to your attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I filed a dispute with all three credit bureaus and the company XXXX ( formerly known as XXXX Bank ) about an error listed on my credit report. I was notified of this error when purchasing a new vehicle for my daughter at the end of XXXX from the dealership. I was notified that they were reporting a repossession and my account was over 120 days late which was not the case. The account manager at the dealership even stated that it was recently updated this year and asked if we still had the vehicle in question. I told them we had the title and letter showing the lien was released and the vehicle has been paid off. When calling into XXXX today to dispute this again, due to a alert on my credit monitoring service, I have yet to receive any information from the past dispute. When I asked about it, she ( XXXX XXXX XXXX stated that it has been updated and a dispute has been filed on it, I asked what was the resolution of the dispute and why haven't I been notified of this, her response was it has been updated and goodbye, they hung up on me. I called back and was placed on a lengthy hold which I thought was unusual so I waited and got disconnected again. I did not call back due to being highly upset over this matter and wanting it resolved so I am filing this complaint and hope it gets resolved ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REACHED OUT TO EQUIFAX, XXXX, AND XXXX NO LESS THAN 3 TIMES. I HAVE PROVIDED THEM EACH WITH THE REQUESTED STARTING WITH XXXX Duties of users making written firm offers of credit or insurance based on information contained in consumer files- section 604 ( c ) ( 1 ) ( B ) of the FCRA ( 15 U.S.C. 1681b ( c ) ( 1 ) ( B ) ), except for a person excluded from coverage of this part by section 1029 of the Consumer Financial Protection Act of 2010, title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act, Public Law 111-203, 124 Stat. 137 AND 1022.123 Appropriate proof of identity AND THE REQUESTED FTC REPORT. 
THEY CONTINUE TO REPORT THE FOLLOWING ILLEGAL INQUIRIES WHICH I DID NOT GIVE MY PERMISSIBLE PURPOSE... 

XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX PLEASE HELP ME AS THESE FALSE OUT-OF-COMPLIANCE INQUIRIES ARE STOPPING ME FROM GETTING APPROVED FOR A HOME FOR MY FAMILY. THESE INQUIRIES ARE CAUSING ME DETRIMENTAL HARM MENTALLY AS WELL. I SHOULD NOT HAVE TO CONTINUE GOING BACK AND FORTH WITH THESE PARTIES. 

CFPB PLEASE HELP AS MY NEXT STEP WILL BE TO REACH OUT TO CIVIL RIGHTS LEADERS TO HELP ME AS MY CONSUMER RIGHTS CONTINUE TO BE IGNORED. 

PLEASE REMOVE THOSE INQUIRIES FROM MY REPORT IMMEDIATELY.