23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX, I deposited XXXX checks from freelance work. Unfortunately, the bank identified some issues with them. I had other available funds in my account besides the checks, yet the bank placed a hold on all my funds. 

I repeatedly asked customer service why this was happening, when the other funds would be available, and what I could do, but I kept receiving conflicting answers. In fact, a couple of representatives assured me that the hold would be released on XX/XX/XXXX ( attached is proof of this ). However, on the XXXX, they changed the release date to XX/XX/XXXX, and now they are saying XX/XX/XXXX. 

They provided me with a phone number for more information and stated that I should have access to my non-check funds, but no one seems to know how to remove the hold and what is actually happening. I relied on their assurance that the funds would be available on the XXXX and planned accordingly, but now I am late on my basic bill payments. 

I also filed an official complaint with the bank regarding this issue, but it was unsuccessful.
Product: Debt collection

I have contacted this collection agency on several attempts.I 've got no results from them.I asked them to remove the account from my credit report due to an accurate information and not able to show proof where this account was signed. They have this account link to the last a four digits of my social not the complete social and a different name therefore this is in accurate information and I would like it to be removed from my file.
Product: Credit reporting or other personal consumer reports

Dear, consumer financial protection bureau There were XXXX hard inquiries that I did not authorize or recognize at all nor do I have any documentation with any signature or living signature on it. I have tried disputing these issues several times never resolved through XXXX XXXX. Also, Call to try to get information sent to me was also denied. The hard inquiries is as followsXXXX XXXX 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have asked them to be removed. I can only ask you to do the same for me please and thank you so I may enjoy my and have access to my securities. I also have two collections that I am unfamiliar with nor have I authorized any of this information to be given to these companies, I have filed disputes with both companies explaining to them that I have no association with these collections and requested any documentation to prove that these collections are mine. I have yet to have a response and phone calls. They put me through circles. The two collections is as follows-XXXX  XXXX  XXXX XXXX collection was placed on XX/XX/year> needing {$1000.00}. XXXX XXXX XXXX. Collection was placed on XX/XX/year> needing {$580.00}. I have expressed to these companies both that I do not belong to these collections Nor have I approved any contract or signed any documentation with my signature living signature, I have asked for documentation showing proof with my living signature an asked for to be removed if they can not prove so that this collections belong to me With great appreciation, I would like to have access to my securities and not be held back any longer. I do thank you. Consumer financial protection, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received notification 2 days ago that my credit score with XXXX changed. I was HORRIFIED to learn through several other websites ( XXXX XXXX, etc ) that my XXXX credit score dropped 85 points for just one reason. My utilization on my XXXX XXXX was at {$460.00} out of a {$500.00} credit line. My mortgage is always paid on time. My auto loan is always paid on time. I have a friend who has NO good trade lines and his credit score is higher! WHY? My Equifax score was also very low despite having paid most of my bills on time and was wondering why my XXXX score was so much higher than these 2 credit bureaus even though ironically my personal information was exposed through these very two credit companies that are currently discriminating against me! I am XXXX as is my spouse who is also a XXXX and we struggle to pay our bills and was just about to do a cash out refinance VA loan so we could consolidate bills but more importantly, modify our home due to a XXXX necessity and add a bathroom downstairs for my spouse who has trouble on the stairs. So now, thanks to XXXX and Equifax, we are being declined. I contacted XXXX  ( who outsources calls ) and was on hold for 45 minutes yesterday and when I finally got through was told there was nothing they could do because they could not access my report due to their " system being down ''. I have been locked out of the XXXX website and have to rely on 3rd party credit companies to get any information. And despite receiving an email that my password was reset I still can not access their site because I am once again locked out. I am disgusted angry and in disbelief that any scoring system would do that to someone and to make matters worse, my credit was even improved due to incorrect information being deleted since then but no changes have been made to my score.I intend on searching the internet to see if there is a class action lawsuit against these 2 credit reporting companies and join one or start one myself. Thank you for allowing me the opportunity to address this unfair and almost criminal company doing everything they can to ruin me and my family!
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this fraudulent inquiry removed immediately. Please correct. Thank you.
Product: Mortgage

Refinanced a loan with Freedom Mortgage approximately 5 months after buying our home. We got a letter from them stating we were eligible for a VA Streamlined refinance that would not extend the term of the loan, as well as " no out-of pocket closing costs ''. An estimated closing date for the refinance was XX/XX/XXXX. We mailed a partial unapplied payment of {$530.00} just in case we did not close on XX/XX/XXXX and would have to make a payment on XX/XX/XXXX. Called and spoke with customer service to see if closing date was firm, it was, and then asked if our balance sitting in unapplied funds of {$530.00} would be applied towards our new loan. She said yes. None of these events actually transpired. Our original maturity date of XX/XX/XXXX changed to XX/XX/XXXX. Our {$530.00} was incorrectly applied to our old, now paid off loan. We have spoken to employes in customer service two more times about getting the {$530.00} applied towards new loan and were told it would be taken care of. Still has not been corrected as of today, XX/XX/XXXX.
Product: Debt collection

I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account. Delete this on my report as it really affects my credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ZINC Auto Finance is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ZINC Auto Finance the financial institution and the Consumer reporting agencies XXXX and XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, ZINC Auto Finance whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ZINC Auto Finance Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Checking or savings account

On XX/XX/2024 I received a deposit from the IRS {$8700.00} And my phone was stolen along with my driver license etc my account was fraudulently used to withdraw money the hackers had used my temporary debit card and added it to XXXX XXXX  I do not even have a XXXX product or device I explained this to chime while I disputed the charges and explained they are without my consent chime bank did not refund any of my funds back chime failed to protect my consumer rights and refund my full amount that was stolen in which my attorney have sent chime bank a intent to sue if my funds are not refunded back asap
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX, and I am submitting these complaints in hopes of getting a late payment reversed. I have never been late on this account. I am not sure if my payment didn't go through or if it was an oversight. 

As a courtesy, I am asking if this payment can be reversed to good standing or current. 

15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REQUESTED FOR ALL FRAUD ALERTS TO XXXX REMOVED FROM MY RECORD. 
THEY SEEM TO NOT WANT TO HONOR THE REQUEST. 
THIS NEEDS TO BE DONE IMMEDIATELY!

I AM UNABLE TO USE YOUR WEBSITE BECAUSE OF ERRORS ON YOUR END. I HAVE BEEN WAITING ON HOLD FOR THE PAST 2 HOURS. 

XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX PLEASE SEE MY ID ATTACHED
Product: Credit reporting or other personal consumer reports

In accordance with the Credit Recording Act, XXXX ( a creditor and financial institution ) and XXXX XXXX XXXX XXXX has violated my rights. Under 15 U.S.C. 1681 section 602, states I have the right to privacy. Under 15 U.S.C. 1681 section 604a section 2, also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S.C. 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Date Opened XX/XX/2017 Balance {$2500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, there was a hard credit inquiry pulled that I did not authorize. I have contacted the company by phone and because I do not have an account with the company I have not been able to speak with a representative to inquire about the hard inquiry that was pulled without my permission or authorization to do so.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Debt Collection ( Account Number : XXXX ) and Urgent Request for Investigation and Rectification Dear Sir/Madam : I am writing to express my serious concern and dispute regarding a specific, inaccurate collection entry on my consumer report. 

Account Name : XXXX XXXXAccount Number : XXXXAmount Owed : {$540.00} as of XX/XX/2023 I assertively challenge the validity of this debt. On XX/XX/2023, I returned the specified items to a XXXX store in New York. Despite being assured of the proper return process, this debt erroneously appeared on my credit profile. 

This unmerited mark not only jeopardizes my financial reputation but has caused significant emotional distress. I've spent countless hours on the phone, mailed evidence, and painstakingly attempted to rectify this situation, only to face continuous roadblocks and a lack of clarity. 

The stress stemming from this matter has been exacerbated by the looming implications it carries. I've found myself questioning future financial decisions, concerned about potential higher interest rates, and apprehensive about the prospect of being declined for financial products or services due to this unwarranted blemish on my credit profile. Furthermore, this experience has left me feeling violated that despite my genuine efforts and rightful actions, my financial narrative can be inaccurately portrayed. This is not just an errant number or a misreported transaction ; it's a reflection of me that is being inaccurately and unfairly tarnished. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I draw your attention to the following sections : 1681i : Mandates credit reporting agencies, like XXXX, to conduct a comprehensive and timely reinvestigation when a consumer disputes information.

1681g : Highlights my right to know every piece of information you have about me, including the sources of that information.

1681j : Ensures that no unwarranted charges are levied against me during this dispute process.

1681s-2 ( a ) : Clearly outlines the duties of furnishers of information to provide accurate data. In this context, XXXX XXXX may have violated this provision. 

My objective is straightforward : I seek an immediate and thorough investigation into this matter. The enclosed receipt unequivocally confirms the return of the XXXX equipment. It is my belief that with this evidence, coupled with the responsibilities of both credit bureaus and information furnishers under the FCRA, this unjustified debt collection entry should be removed expeditiously. 

Any failure or undue delay in addressing my concerns and rectifying this error will not only infringe upon my rights under the FCRA but may also compel me to take legal action to safeguard my interests. 

Please treat this letter with the urgency and seriousness it warrants. 

Enclosed : Receipt of returned XXXX XXXX Internet 5G router and receiver dated XX/XX/2023.
Product: Mortgage

My Mortgage company offer me a 90 day furlo due to covid they assured me that I would have options after the 90 days. Prior to that I was not behind on my payments. After the 90 days they was not willing to work with me on no level. I file for a modification and was denied I file for a payment plan again denied. All this started in XX/XX/XXXX. I Applied for assistant with the XXXX XXXX XXXX XXXX XXXX  three months later I was approved. On XX/XX/XXXX they sent a check to PHH Mortgage in the amount of {$6800.00} and another payment on XX/XX/XXXX in the amount of {$820.00} however my account still have not being brought current. I call every week for eight weeks only for each person to tell me something different they admit they have the funds but have not applied it to my account. They initially said it would take 14 days for the loan servicing department to apply the funds to my account. In the mean they would not take any payments from me making me get further behind. Yet no current update. I am a senior citizens and very worry about my home. I have live in this house for 21 years I have never got an accurate amount on how much i still owe my balance still show the amount I paid for the house in XXXX upon closing. I have an escrow account and they been taken out for that but not paying the taxes, please help me understand what is going on. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal sworn statement & Declaration : I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.

I have filed a formal report with the Federal Trade Commission which I have attached to this letter. In addition, I have also corresponded with the agencies and creditors listed. The respective agencies have been very cooperative with me and have guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items Im requesting you do so for. I want to make it clear that I am not making this request in error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.
Product: Debt collection

Back in XXXX XXXX incorrectly charged me for service that I did not have. This incorrect debt got sent to collections but after resolving with XXXX ( they realized I was wrongly billed XXXX $ XXXX and disputing it was removed from my credit report. 

Now a year later in XXXX, the debt collection agency " IC System '' has reopened this collection and negatively affected my credit.
Product: Mortgage

I purchased a home inXX/XX/2017 using a reverse mortgage. I took $ XXXX of my own cash money to put aside for the taxes and insurance to ensure that these items would be paid in my older years. I since had to sell that property because I need my children to help me and they live in and close to XXXX XXXX. This money came from the sale of the house my husband and I shared for 45 years. I called AAG regarding the refund of this money that I set aside to pay taxes and was told since I sold the house, the money disappears. 

I tried explaining that this is not a typical set aside. This money was not a part of any loan proceeds. This is my money that they were holding for taxes and insurance. Once the house is sold, I am supposed to be entitled to that money back. The manager refuses to return my calls, and the representatives keep telling me that the money I put in disappears. 

They are scamming old people to steal their money.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT.

PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY XXXX NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS OR XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX XXXX OF CONSUMER FINANCIAL PROTECTION 12 CFR PART 1022 [ DOCKET NO. 
XXXXXXXX XXXX XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!