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

I have several hard inquires on my credit that were not authorized and some of the companies ran my credit several times without consent, even when I am searching for a vehicle I ask that my credit is not ran by multiple companies and they are required to let me know which companies they are authorizing my credit to ran by. Below I have provided a list of inquires that were not authorized or either ran multiple times within the same day. 

XXXX XXXX-Multiple times XXXX XXXX XXXX Disc-Unknown XXXX XXXX-Multiple times XXXX-Multiple times XXXX-Multiple times XXXX XXXX-Multiple times XXXX XXXX-Multiple times XXXX-Unknown XXXX XXXXMultiple times XXXXMultiple times Credco-Unknown XXXX XXXX XXXX XXXX XXXX XXXXmultiple times XXXX XXXX-Unknown XXXX XXXX XXXXMultiple times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Unknown XXXX XXXX-unknown, multiple inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXMultiple times under different names
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. 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. 
account does not belong to me ; I do not own a XXXX  XXXX XXXX. 
COMAPNY SENSIBLE AUTO LENDING HAS VIOLATED MY RIGHTS
Product: Mortgage

Shellpoint became the loan servicer on XX/XX/XXXX [ Ex. 1 at p.2. ]. Shellpoint did not provide timely notice of transfer of servicing to the borrower at the address listed in the mortgage documents. Instead, on XX/XX/XXXX, Shellpoint sent a notice to an unknown address ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NM XXXX ) [ Ex. 1 at p.1. ]. Shellpoint knew the actual property address was as identified in the same notice at Property Address : [ Ex. 1 at p.2. ]. Thus the borrower did not receive notice that servicing was transferred to Shellpoint. 12 CFR 1024.33 ( b ). 

Shellpoint posted the specified address for Notice of Error and Information Requests on its website [ Ex. 2 ]. 

On XX/XX/XXXX, Shellpoint received the Borrowers Notice of Error at the address it specified [ Ex. 3 ]. Shellpoint did not provide an acknowledgement of receipt within 5 days. Shellpoint did not respond at all to the Notice of Error. 

Notwithstanding the aforementioned failures, the Borrowers Notice of Error asked Shellpoint to investigate the following additional 13 errors identified in the full complaint attached hereto. The borrower request written accounting for each error.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent a request stating that the payment history for XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX was in correct, they never replied with written results but instead updated my credit report to reflex more negative credit payment history. 
I feel as if the company is purposely trying to destroy my payment history just cause of my dispute. 
For example it was reposting XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I dispute ever being late in XXXX and they updated my credit report to XX/XX/XXXX XXXX XXXX late and XXXX XXXX 60 days late. I think it's my penalty for even asking.
Product: Bank account or service

Regions Bank refuses to confirm the date I can expect to receive the XXXX they " XXXX '' confirmed that I qualified for after being asked numerous times to do so. If I have indeed met all the terms, then it should be easy to see on their end when I can expect to receive the bonus.
Product: Credit reporting or other personal consumer reports

I spoke over the phone with a sales agent at a dealership and he ask me to verify my information ask me for my check steps then told me to reach out to his friend that works at another location and he sent my paper work to him never agreed on anyone running my credit because I was told by my lawyer not to do anything for 2 years and I started getting all these letters I have tried to reach out and that was no help and did not get any where I feel like this is the next step. please review the following list XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am not liable for this debt with XXXX and do not have a contract with FAIR COLLECTIONS & OUT. They did not provide me with the original application like i asked.
Product: Payday loan, title loan, personal loan, or advance loan

Today, XX/XX/XXXX first thing in the morning at XXXX AM. I contact three sticks lending to pay off my payday loan. They said that they will take the payment today but theres another payment that is coming out on Monday but todays XXXX when Im scheduled to pay off the loan lady by the name of mix. Shes the one handling the call spoke with the company last week and I have until XX/XX/XXXX to pay it off for the amount quoted around {$2900.00}. Mix is the name of the lady that Im dealing with. She says that shell take the payment today on XXXX but that there needs to be another payment that comes out on Monday. The loan is XXXX % interest mind you this is against user laws. After arguing for about a half an XXXX, she said that she can process the payment today, but it wont go through until XXXX and thats the same day that my next payment is due so she would not accept payment without me agreeing to an additional payment being taken out on XXXX. So I told her no. I feel that this company needs to be looked in for usually laws for a XXXX % loan and when we agreed to pay off the loan, theyre trying to charge me extra fees and that needs to be looked into also.
Product: Credit reporting, credit repair services, or other personal consumer reports

After many disputes with Equifax, the following accounts resolution was listed as verified. 
The accounts that I have disputed are all reporting false information which in return is damaging my credit. I am asking that the following accounts be removed due to reporting false and inaccurate information that are in violation. 

XXXX XXXX Acct # XXXX Payment history shows account as OK XX/XX/XXXX ; Who is made that payment? 
Payment history is also showing 120 days late starting XX/XX/XXXX to XX/XX/XXXX ; this is not even possible ( 120 Days Late * 3 Months= 360 days ) How can I be 120 Days Late for 20 months? 

XXXX XXXX Acct # XXXX Payment history show payments are being made ; Who is making these payment? This account is a charged off account XXXX Acct # XXXX This is a Charged Off Account. Who is making payments? 

XXXX Acct # XXXX This is a Charged Off Account. Who is making these payments? 

XXXX Acct # XXXX How can it be 120 Days late? Payment history shows " OK '' from XX/XX/XXXX to XX/XX/XXXX, and " OK '' from XX/XX/XXXX to XX/XX/XXXX but also shows120 Days Late XX/XX/XXXX. Who is making payments? 

XXXX Acct # XXXX How can it show 120 Days Late? Payment history shows " OK '' from XX/XX/XXXX to XX/XX/XXXX and from XX/XX/XXXX to XX/XX/XXXX. Who is making these payments? 
How can I be 120 Days XXXX XX/XX/XXXX and XX/XX/XXXX. 

XXXX Acct # XXXX How can it be 120 Days late? Payment history shows " OK '' from XX/XX/XXXX to XX/XX/XXXX, and " OK '' from XX/XX/XXXX to XX/XX/XXXX but also shows 120 Days Late XX/XX/XXXX. Who is making payments? 

XXXX Acct # XXXX How can it be 120 Days late? Payment history shows " OK '' from XX/XX/XXXX to XX/XX/XXXX, and " OK '' from XX/XX/XXXX to XX/XX/XXXX but also shows 120 Days Late XX/XX/XXXX. Who is making payments?
Product: Debt collection

On XX/XX/2022 I was served with a Summons for a debt for an account that I believe is not mine. I had n prior notification or contact about this debt. Attorney XXXX : XXXX and XXXX XXXX XXXX  : Crown Asset Management , LLC. Original Debtor : XXXX XXXX for an account called " XXXX XXXX ''. Amount of debt : {$1300.00}. 
I was not contacted by anyone prior to being served the summons. I responded via mail to the attorney, disputing the debt was mine. In response I received via mail copies of 6 statements that had no identification ( no name, acct number, address, etc ). There were also 108 essentially blank pages. 
I responded in writing again, stating this was not my debt and pointed out there was no identifying information on the documents that were sent. The attorney responded in writing saying that the records had been photocopied incorrectly. He sent more copies of the records with a name and address. His letter then continued asking me to call him so negotiations could proceed to settle the debt. 
My XXXX letter that I sent to the attorney asked for a copy of a signed credit application to prove this was my debt. I also asked for the date of the Statue of Limitation. I received another set of the same paperwork, but nothing that I asked for. 
I am being taken to court On XX/XX/2022 over this. I can not find an attorney to represent me because the debt is so small. I am scared and find this whole process intimidating and humiliating. But more than that, how can any debt dealership company like Crown Asset Management be allowed by law to persecute people without evidence of any legally signed contracts?
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit cards & accounts have passed the statute of reporting. I put in disputes with XXXX, XXXX, & TransUnion but the accounts still remain without explanation. Cards in question & dates closed. 
# XXXX XXXX XXXX XX/XX/2018 # XXXX XXXX closed XX/XX/2018 # XXXX XXXX XXXX closed XX/XX/2018 # XXXX XXXX XXXX closed XX/XX/2018 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 have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that are opened. I also saw several recent inquiries. Seems like the person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of times. These accounts and inquiries are not mine. Please take these unknown items off my report. 

XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$4900.00} XXXX  XXXX {$1300.00} USDOE/XXXX  XXXX {$65000.00} US DEP ED XXXX {$25000.00} XXXX   XXXX {$2600.00} XXXX  XXXX XXXX {$700.00} XXXX/XXXX XXXX {$2700.00} XXXX XXXX XXXX   XXXX {$1300.00} XXXX XXXX XXXX XXXX {$22000.00}
Product: Money transfer, virtual currency, or money service

I've created an account with coinbase.com with the plan to do some trading with XX/XX/XXXX. I've made a wire transfer in the amount of {$24000.00}. They have deposited my funds and after that they restricted my account. They said : " Your account is temporarily suspended from sending cryptocurrency off the Coinbase platform - this is to protect against loss, because once funds are sent off our platform, we have no way to reverse those transactions. 

This feature will not be re-enabled until XX/XX/2020 at the earliest. Due to the current restrictions on your account, if you would like to send this crypto from Coinbase, you must first convert the crypto to XXXX and then withdraw the XX/XX/XXXX funds to your verified bank account. '' So I said ok, it's to protect me, lets wait one week and should be fine. After the date of XX/XX/XXXX nothing happened. I've emailed them again and they replied after 36 hours and said : " Hello XXXX, Thanks for reaching Coinbase Support. 

We've documented the information you have provided and have escalated this case to a specialist. We will follow-up with you as soon as we have an update.

Please note, these reviews are typically completed within 5-7 business days but may take longer. '' I replied, I've answered as they needed and again waited for another 3 or 4 days to receive an answer from them. 

They replied and they said : " Thank you for your patience while we reviewed your Coinbase account. All account restrictions have been removed, and you may resume using your Coinbase account immediately. '' but surprise, my account was still restricted, I couldn't do anything, so I've contacted them again and they replied after 3 or 4 days again stating " In order to properly investigate this issue, we will need you to provide an official bank statement in PDF form proving ownership of your linked bank account. 

Upload your documents through our secure SendSafely portal https : //coinbase.sendsafely.com/dropzone/cx-files/XX/XX/XXXX. " this is completely insane, why do they send me an email, after all this waiting and losing nerves, that my account is good and than is not good, send XXXX XXXX statement. I'm still waiting for their answer, because I already sent the Bank statement as requested. They should be restricted so they can not restrict customers without reasons!
Product: Credit card or prepaid card

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX # BANCO POPULAR XXXX 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
Product: Checking or savings account

I am a XXXX XXXX XXXX XXXX and I XXXX XXXX. I was financially impacted by covid-19 and received a targeted EIDL advance. My account was frozen and Ive been advised that they will not release my funds.
Product: Mortgage

( M & T bank insurance case # XXXX ) On XX/XX/XXXX myself and my wife & child were the victims of a flood and storm in XXXX XXXX XXXX that left damages to our home. The process of getting the funds from our insurance company has been absolutely horrendous and to add insult to injury, My mortgage company M & T Bank has made the process even harder for us. We were originally serviced by XXXX XXXX  when we first purchased our home in XXXX, but was later notified that our mortgage was sold to M & T Bank after hurricane sandy. I realize that banks have different procedures regarding insurance claims but XXXX XXXX  has never made the insurance claims process this difficult and hard. We were blindsided to the M & T bank regulations regarding insurance claim funds because we were never given new loan documents that would have explained the differences in regulations regarding insurance claims made on our property. As a result M & T Bank has denied our request to endorse our insurance check for our storm repairs even tho we meet the criteria of the check being under {$20000.00} ( after our private adjusters fee is taken out as per the M & T Bank claim loss representative XXXX XXXX ). We were denied and as a result have been given a hard time to receive our funds despite being a loyal customer and having our mortgage account in good standing. We have been suffering since the date of loss in XX/XX/XXXX and it is now days away from being XXXX which would be a total of 80 + days and we are still dealing with this terrible financial hardship with no resolution in sight. I have incurred numerous out of pocket financial expenses since this unexpected weather event has occured and have only received information by bank associates that lack empathy regarding my situation. We've been getting different explanations every time that we call the loss department for help in regards to our insurance claim and it is unfair. My wife is a XXXX XXXX surviving XXXX XXXX and i am a decorated retired XXXX XXXX XXXX XXXX XXXX that worked faithfully in the XXXX XXXX XXXX. We have both worked very hard to stay out of foreclosure within this terrible economy, and this situation has been absolutely terrible to our family. We are being treated like criminals on our own insurance claim. We pay our mortgage, taxes, and insurance faithfully and for M & T Bank to treat us like this is absolutely horrible. I pray no other home owner will ever have to experience what we've experienced.
Product: Credit card or prepaid card

I finished paying my XXXX  XXXX credit card off XX/XX/2020 and unbeknownst to me they were charging me a $ XXXX monthly fee and due to the devastation of COVID 19 I lost many family members and I wasnt keeping up with any email correspondences although I did not receive any calls from them. After 4 months upon checking my old emails I saw that Id been charged {$1.00} for 4 consecutive months and now had a past due amount that was a space of delinquency, I Paid it immediately upon my knowledge of the charges and The company still reported my account to the credit agencies and Ive since sent letters and lost many points without any resolutions or communication from first premier. Please help these late payments need to be removed. The company failed to contact me via phone which is my preferred contact method to let me know about the reoccurring charges. During these times I expected more compassion for a company Ive never been late on and have been loyal to for 20+ years.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Added Accounts included : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section XXXX of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, Thanks, XXXX XXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery LLC purchased these debts from the original creditors. I have repeatedly requested that Portfolio Recovery LLC provide the original opening dates for these accounts, but they have consistently refused to do so. Instead, they continue to report incorrect dates to the credit reporting agencies. Despite multiple requests to correct these inaccuracies, their responses lack the specific information I requested. Instead, they issue generic statements claiming they are committed to accurate reporting, without addressing or resolving the actual issue.

If Portfolio Recovery LLC claims that the accounts were opened on the reported dates, I request that they provide verifiable proof of account activity demonstrating that the debts accrued after those reported opening dates.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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: Mortgage

I received two copies of a hazard insurance bill that is supposed to be paid from escrow by Amerihome Mortgage. I wanted to ensure that Amerihome had also received a copy, so I submitted a question via their secure portal. I received an incomprehensible response that looked like a failed cut/paste attempt.

I filed a second inquiry via the Amerihome portal and got a slightly better response although it, too, had significant problems. For example, it referenced a " proof of insurance '' request which was not the nature of my inquiry. 

Both the initial and second responses indicated that I could communicate with the company via chat, but after looking at every screen available to me in the portal, I couldn't find any way to initiate a chat session. 

It seems to me that the company has a staff that is improperly trained, and they refer to a function ( " chat '' ) in their standardized correspondence that is not available via the portal I am using.
Product: Credit card or prepaid card

This company clearly had a data breach as my account and on social media many many others have fraudulent charges on their cards. I can not get through to the company by phone or email. I want these charges removed from my account as I did not make them and am NOT paying for them. There is zero way of reaching anyone in this company! How can you run a credit card company this way? Alos, I recently moved yet there is no way on the website to update my mailing address. Again how do you run a business like this?