23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have XXXX Hard Inquires on my account that I would like removed because I did not authorize. There is XXXX hard inquire on my account that I have authorized and that includes XXXX XXXX XXXX on XX/XX/XXXX. Ive tried to have them removed with transunion and that did not get completed. The Hard inquires that I did not authorize includes the following below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

FRADULENT ACCOUNTS HAVE NOT BEEN REMOVE FROM MY CREDIT REPORT. 
I DISPUTED IT, BUT ALL THEY DID WAS UP DATE IT. 

XXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$690.00} XXXX XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XX/XX/XXXX {$5800.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I submitted letters to several agencies ( specifically XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX ) to enact my right to protect my financial information and no longer share my information, balances or payments on my report. I further requested that XXXX, TransUnion and XXXX, being consumer reporting agencies, remove my financial information as well as per my right 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. '' XXXX XXXX XXXX XXXX and the Consumer reporting agencies XXXX, Transunion 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, Transunion and XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked as per the letter sent in XXXXXXXX XXXX XXXX. Furthermore, 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. '' XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consume 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 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 have opted out of ALL reporting agencies services
Product: Checking or savings account

Huntington might possibly be one of the cruelest banks I have ever dealt with. 6 months ago, my partner and I awoke to our funds, totaling around XXXX, frozen, and we had no idea why. They would not tell us, so we were left completely in the dark. Come to find out, his mom had gotten close to some senior leaders in the bank and they aided her in her crusade to obtain ultimate control over my partner, guardianship. All his rights would be taken from him. Aside from that, we could barely afford to find adequate representation because of the freeze on the funds. My partner was behind in student loans, his car is going to be repossesed, we are scraping by selling our personal belongings we had such as tv 's just to buy food and pay rent. We are not able to pay rent for XXXX and are endager of being evicted if we can not. We have XXXX small cats and have no where else to go. They treated us terribly the entire time, claiming two times to lose the court orders that said my funds were not part of the order and I could withdraw them. After they did not let me do so, I exhausted all my hidden accounts and ran my credit cards up to the maximum. My credit score dropped XXXX points. I emailed XXXX XXXX, XXXX XXXX, and the worst of them all, XXXX XXXX. Terrible examples of what a decent employee should be. You are nothing more than an employee at a bank. You do not have the right over someone else 's funds especially when they are not under the freeze like the court ordered. Release my funds or I will report you to every consumer bureau everyday until I have MY funds back. No matter what the mother said I have a great deal more money than she assumes. I have XXXX in the smart invest checking and a trust that disperses at XXXX of XXXX XXXX. I would also like whatever email you sent out about me and my partner retracted and an apology sent out or I will sue you for defamation and libel among the other parts of my lawsuit,. I am well versed in the XXXX
Product: Debt collection

Please review the attach documentation. 

I am federally protected consumer and I am invoking my specified remedy. I am demanding that AWA Collections remove this allege debt from all consumer reports, XXXX out the balance, apologize, and pay the attached invoice for all violations
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my various endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My father passed away on XXXX XXXX, 2015. There is a reverse mortgage on his home in Arizona. I notified Champion Mortgage of his passing and provided a copy of the death certificate and will. I noticed them of my intention to payoff or potentially sell the home. I have requested from them payoff information and copies of documents. The only thing I 've received from them is a XXXX % of Current Appraised Value Loss Mitigation Option Acknowledgement. I was told that it would take 72 hours to process and provide me with payoff and the requested information. We are now at 10 days and I still have not received the information. I 've made several calls trying to speak with the same person I first spoke to ; I 've requested calls back from that person to no avail. They are completely unresponsive. One person will tell me they can not correspond via email ; another contradicts that. I 've been recording the calls since they are recording me and have talked to XXXX different people and not one has been helpful. Mostly I get put on hold for lengthy periods. This company is the worst. I am at a loss to know how to proceed at this emotional time. I simply need to know what the legal rights are for my sister and I and how to proceed to payoff/or sell. I actually went on-line and read the feedback on Champio Mortgage and it 's frighteningly negative. This is XXXX XXXX and I was led to believe I only have until XXXX XXXX to act or this company can begin forclosure. That 's not what my father would have wanted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( a ) ( XXXX ) ( A ). Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX. Account name : XXXXXXXX XXXX, XXXX Original creditor : XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX Account Number : XXXX XXXX. XXXX. Account XXXX : XXXX XXXX : Account XXXX XXXX. XXXX : Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX : Account Number : XXXX XXXX. XXXX XXXX XXXX ; Account Number XXXX XXXXXXXX XXXX Account Number : XXXX XXXX 's Account Number XXXX
Product: Mortgage

BSI mortgage has not updated with credit reporting agencies for 3 months that the mortgage account is closed. They sold the mortgage to another company. It is showing open, but in good standing. This is severely impacting my credit score and I have been denied for home improvement loans. I can not do repairs that are necessary because of this.
Product: Debt collection

I got a call from a company called XXXX XXXX XXXX ( Fidelity Capital Holdings ). They claimed I owed over {$1000.00} to 2 doctors. They had personal information about me but I did not owe the doctors any money. I called the hospital the doctors are associated with and they told me I did not owe any debt or have any open accounts there. I tried talking to the company to find out more information about the debt but they were extremely rude and unprofessional. They were abusive and would not give me straight answers. I asked for their profesional license number to find out if they were a legit company and they refused. They hung up on me and told me to XXXX it. When I asked them if they were real they would not answer me. I barely got any information about the debt. They did n't even want to spell the name of the doctors for me. one woman I spoke to could not speak English so I told her to speak to me in XXXX and she did at first but then would go back to English. Her enlglish was  incomprehensible and her XXXX was extremely fluent but she refused to communicate with me in XXXX. Every employee was aggressive and abusive. They would not let me talk and they would not answer my questions. I was simply returning a voicemail I received in which they identified themselves, asked for me and said that they were calling to collect a debt. From what I know about the law when it comes to collections, a voicemail is a third party and a collection agency is n't allowed to disclose or attempt to collect a debt on voicemail. They were horrible and I believe they are a scam. From reviews I read online I saw people claiming they have paid this company and did not receive any receipts or proof of payment. I want to prove this company as a scam so more innocent people are n't effected by these abusers.
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 and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to express my concerns regarding several issues Ive encountered with the credit bureau. These issues include incorrect account listings, unauthorized inquiries, inaccurate credit reporting, billing discrepancies, and accounts that do not belong to me. 

I would appreciate assistance in resolving these matters to help ensure my financial stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report to see an XXXX XXXX XXXX reporting inaccurately for XXXX XXXX. My XXXX XXXX account is current and open, not delinquent and in collections.
Product: Credit card

I recentally went though a financial hardship and got behind on my Discover credit card. My acount was understandably suspended. I was able to get things back on track around XX/XX/2015. I spoke to a Discover card employee and explained my situation and advised I was able to pay my balance in full but asked if there was any way to get my account reactivated. She advised me that after 3 months of on time payments I could call and request to have my a count reinstated so I followed her advise. After 3 months I called to follow up and was told it was 6 months and I had to fill out paperwork which he would mail to me. A month later I never recieved the paperwork, called back in and was told they would mail it to me again. Now yet another month later, and no paperwork, I called to follow up and was told there was no paperwork involved and the computer automatically decides what accounts to reinstate or not reinstate at random. I am trying my best to get my credit back on track and make up for my mistakes but Discover has continental to play games with me and give me false and varrying information each and every time I call. Had I known this I would have paid the account and closed it months ago but instead I followed the false advise I was given. I am very disappointed in there lack of customer service to say the least.
Product: Mortgage

I have been pursuing a portion of the settlement agreed to by Wells Fargo and you, the CFPB since XXXX of XXXX. I submit q complain, you forward it to them, they " investigate '' ( them selves ) and find no wrong doing on their behalf, and the complaint gets closed. 
Wells Fargo continues to play XXXX, and refuse to provide information regarding their operations and administration of the settlement. Even after I've provided documentation to them and you, showing they misled and withheld information regarding a mortgage modification in XXXX. 
Now, you are once again investigating the bank regarding " equity stripping '' on mortgages. How long will you allow this dirty bank to continue to operate. They have been party to numerous investigations and found guilty of many, and settled others. Please get to the source, and make them pay what they owe to the consumers they robbed. and/or put them out of business. They are exactly what is wrong with our banking system. And at this point you are enabling them, so you can continue to fine them, and receive settlement $ $ s.
Product: Mortgage

Dear US Bank, I am a victim of Identity theft and my home mortgage is serviced with US Bank. I've paid my mortgage on time every month. I have great/excellent credit. I am very concerned I have not heard from the bank regarding this matter since my checking account ( from US Bank - checking fraud ) was linked to my mortgage account. We would like to hear back from you regarding our Mortgage. I understand fraud can occur with checking accounts etc however, I would still appreciate if the bank would follow-up with a written letter explaining how you will assist to ensure my mortgage with US Bank is still indeed safe and secure. I would like to partner with you. I called your Home Mortgage Department today, XX/XX/2020 and I spoke with 2 individuals - I was on an extended hold and they did not have a clear process in place. The customer representative dismissed my concerns of recent checking account fraud. He rambled on about work orders and escrow checks and other matters. I requested if I could please be transferred to fraud or if he had the fraud department 's phone number, he did not provide the information. He said he was based in CA and had access to the last four digits of my social and my home address, the individuals on the mortgage account and that it was " mostly '' public record. He was basically all over the place. " That if it was fraud, the bank would pay it off, I had nothing to worry about. " These words concerned me deeply. Thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights ; under 15 U.S.C 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Debt collection

I have made several attempts to have this debt removed and the agency changed the date of the debt to a more recent date. I have sent them letters requesting proof and validation of the debt and have not received proof, or dates as to when this debt took place. I have reached out to both the collection agency and the credit bureaus and no one seems to have proof of this $ XXXX+ debt. I have made several attempts and at one point, someone at the collection agency said they would remove it by XXXX as they didn't have documentation due to the age of the debt and it has not been removed, it only decreased my credit when they changed the date and then reported late payments when NO PAYMENTS have been made. Please help as I tried getting a home loan and this has affected me greatly. Letters and request for proof were all sent on XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. XXXX XXXX/XXXX, Account Number XXXX ( Experian and XXXX  ).
Product: Credit reporting or other personal consumer reports

Hello, My credit report was updated this week and now shows that XXXX is reporting my XXXX  balance incorrectly. 

I have a roughly {$120000.00} balance, but they are reporting that I owe over {$270000.00}. I consolidated my loans in XXXX and now the original, individual loans are showing as well as the new balance on the consolidated loans. I didnt bother to call them because it takes hours to get someone on the phone, and I finally do get to talk to someone, they never have any substantive answers. 

Please look into this. I have seen others reporting this same issue on XXXX. My husband and I just sold our house and need to find our next home, so this is a massive problem for me. 

Thank you for your time and help, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address and my W2.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ; XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX and Transunion are reporting XXXX XXXX XXXX XXXX XXXX XXXX on my credit reports. I am a victim of identity theft and I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not have a contract with either company and I have never lived at this location. They did not provide me with the original contract as requested. In addition, XXXX is being reported on my Transunion report in the same manner. This information on both reports is incorrect.