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

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I became aware on XXXX that the XXXX half of my property taxes which were due on XXXX had not been paid. My taxes and insurance are paid from my escrow, by United Wholesale Mortgage. I called UWM and spoke with a representative on XXXX. I explained that I am in the process of obtaining a Home Equity Line of Credit and was informed by the HELOC lender of the tax issue. This is the only obstacle preventing me from receiving my loan. The lady I spoke with had put me on hold while she went to find out information about my call. When she got back to me, I was told that they had made a mistake and this issue was an oversight. I was told the issue would be resolved in the next XXXX to XXXX hours. I asked for a call, email or any type of confirmation that this issue would be resolve. I was told she put in the notes that I was to receive a call on XXXX. I had not heard anything from UWM today, XXXX and I had called them at XXXX pm XXXX. After explaining the issue with the representative, I was informed that they can take XXXX to 14 days to answer my questions and actually could take up to 60 days. This matter should have been delt with when the taxes were due. The negligence of UWM can cause me to lose the window of the construction upgrades I had planned for. This can be resolved by me paying the tax bill. Although its an option, they should have paid the bill when it was due! I pay my mortgage on time!
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and saw unauthorized credit inquiries on my report. Those inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted Trans Union and they told me they would not remove these inquires at all unless I fill out this report. I NEED these inquiries removed from my credit report expeditiously.
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. 

XXXXXXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXXXXXX XXXX  : # XXXXXXXX XXXX XXXX XXXX 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 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: Money transfer, virtual currency, or money service

XX/XX/XXXX the Robinhood froze my account for no reason, after trying to send XXXX to my best friend for XXXX, since then, XX/XX/XXXX then XX/XX/XXXX they called me and asked me for personal information about what I do with my money, supposed to be unfrozen XX/XX/XXXX then XX/XX/XXXX. Then XX/XX/XXXX then XX/XX/XXXX then XX/XX/XXXX, never giving me a reason for being frozen, instead calling me to ask personnel questions of names address I chose up send to, they keep extending the date to unfreeze my account, I have hear from numerous people that they did the same to them and use your frozen money to.make money for Robinhood
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXXXXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX Balance : {$760.00} XXXX XXXX Balance : {$35000.00} XXXX XX/XX/2023 XXXXXXXX XXXX XXXXXX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Trans Union, and XXXX continues to allow XXXX XXXX also known as XXXX XXXX XXXX XXXX to continue to keep a medical bill on my credit after it was paid to XXXX XXXX XXXX. ( XXXX ). The original company failed to Bill my secondary insurance. XXXX XXXX. Please see attached proof I had XXXX. XXXX, Trans Union, and XXXX has also failed to prove to me how they are verifying the following account. XXXX XXXX has also failed to send validation of this bill to me. Which is a violation of the FCRA. Please see attached information from previous complaints from the Better Business Bureau, where XXXX XXXX from XXXX XXXX admitted they received a phone call from my primary insurance XXXX, stating that the was sending additional payment. A check in the amount of {$1000.00} with Mail to XXXX XXXX XXXX XXXX 2017. BUT THIS BILL IS STILL UNPAID ON MY CREDIT, again this is A VOLATION OF THE FCRA. The FCRA also prohibits any account staying on the credit file if there'sreason to believe the item is being reported in accurately.. Please Please Read All of the following attached information. I 've been trying to fix this issue with XXXX XXXX. This was a hospital/doctors office billing insurance billing error and should 've never made it to my credit file..
Product: Checking or savings account

Subject : Issue with deposit Dear XXXX, I am writing to you with reference to an issue that I am facing regarding my recent deposit to my checking account. On XX/XX/2023 at XXXX pm, I made a deposit of {$2000.00} on a Chase ATM machine. However, I regret to inform you that the amount of money that I deposited did not appear in my account. 

As soon as I noticed the discrepancy, I contacted the Chase customer service representative immediately. I was informed that the matter will be investigated, and I was assured that it will be resolved at the earliest convenience. 

Nonetheless, to ensure that the problem is being addressed at the highest priority, I am writing this letter to report the incident and seek your assistance. The deposit amount is significant, and I am worried that the matter might not receive the due attention. 

Moreover, to increase the chances of resolving the issue, I am reporting the matter to XXXX as well. I hope that XXXX intervention will help expedite the investigation process. 

I have been a long-time customer of Chase Bank XXXX and this is the first time I am facing such an issue. I wish to state that I have always been satisfied with the banking services provided by their bank. I request you to kindly look into the matter and keep me informed of the progress made in this regard. 


Thank you for your time and attention. I look forward to hearing from you soon.
Product: Credit reporting or other personal consumer reports

The Home Depot is reporting that I had a store credit card and that it was charged off.. I informed XXXX that I have NEVER had a Home Depot card.. I submitted a dispute and got a generic reply that Home Depot " had confirmed '' the account, so it was left on my report.. They have no proof of my identity however.. They don't have my ID on file.. I know this for a fact.. Companies like XXXX and XXXX should have a burden of proof and not just be able to arbitrarily say " oh yeah that's accurate '' .. Take some responsibility and give the consumer the benefit of the doubt instead of corporations..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within XXXX business days. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, NJ, XXXX, XXXX XXXX XXXX, XXXX, NJ, XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2008 Balance : {$20000.00}
Product: Credit card or prepaid card

I called the XXXX XXXX section of XXXX to book a room regarding my free anniversary night ( see below ). 
They said they will not honor it now -would only do up to a category 4 hotel ( which does not cover the hotel I chose ) as the program changed. Discussed it with the representative and the supervisor. Says it can't be honored or changed. I earned this free stay, I received the certificate and they should honor it. They said that numerous emails went out the last few months regarding a merger with another hotel chain, but did not specify that our earned certificates would no longer be honored. I believe that if they change the program, then have the certs that were issued after the date ( apparently XX/XX/XXXX ) have the new requirements on it. 



Happy anniversary! One special benefit of your XXXX XXXX XXXX Credit Card is that you are entitled to a free night at a category 1-5 hotel anywhere in the world for your account anniversary. We thank you for your loyalty. Sign in to your Reward account today to see your free-night certificate XXXX XXXX XXXX. Sincerely, Rewards Credit Card Team Reward Details -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Description : PREMIER VISA XXXX CAT 1-5 HOTELS  Reward certificate number : XXXX Reward code : XXXX Valid at hotel categories : Categories 1-5 Valid for stays through : Thursday, XX/XX/XXXX Certificate deposit date : Tuesday, XX/XX/XXXX Reward Terms & Conditions Anniversary Free Night Stay E-Certificate is valid for hotels in categories 1-5. For participating category 1-5 locations, log on to XXXX or call XXXX. The E-Certificate must be redeemed within 6 months from date of issue. E-Certificates may not be transferred, extended beyond the expiration date, or re-credited for points. To qualify for the Anniversary Free Night Stay E-Certificate, your account must be open and not in default on your account anniversary date. XXXX is not responsible for offer fulfillment. 


Rewards Account Information -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --
Product: Debt collection

I am a consumer and natural person. I have sent out a Cease and Desist to Dynamic Recovery Solutions LLC XX/XX/2022, they received this correspondence XX/XX/2022. They have not acknowledged nor sent me any information to validate this alleged debt. They have continued to call me without my consent, after receiving said correspondence in attempt to illegally collect this alleged debt.
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX and XXXX numerous times, the last time being, XX/XX/2024 stating that they are both reporting different total balances as well as inquiries, delinquent and derogatory reporting. 
Also XXXX XXXX  and XXXX XXXX are both reporting different opening dates on XXXX and XXXX. 

I am opting out under 15 USC6805
Product: Student loan

I was given bad advice from a person on the phone. He told me to pay off my small loans first even though the interest was less than 3 % and I had loans with 14 %. I did not take his advice and told him that advice is ridiculous. I recently switched to auto pay around XXXX 2016 but then realized they were not paying my minimum payments and instead were putting more money toward my lower interest rate loans and less towards my higher interest rate loans.
Product: Checking or savings account

After visiting the branch in XXXX since the securities department randomly after having a conversation with a representative of the call center. Words were exchanged and the customer service representative advised me because of my lifestyle choices ( being XXXX ) that I would have to go into the branch and sign a letter with you explaining what I believed happened. The bank sent out the document 2 years weeks ago and the branch even spoke to the security department. 

Regarding Fraud the only account that has fraud transactions is the XXXX card. The bank blocked the account saying that they are clearly a XXXX Credit Union who most definitely take advantage by retaliation against their members and causing business transactions to be at a standstill with no reason whatsoever why! 

Not to mention NFCU owes me XXXX cashiers check from the secured account ( got lost in the mail filled out documents three weeks ago and no letter or calls from them yet to be made.
Product: Credit card

I was contacted by the American Express representative, XXXX XXXX. When I returned his call in XXXX 2016, XXXX XXXX asked if I wanted to continue with American Express after the American Express XXXX program expired. I said I was not interested, but XXXX XXXX noted that one of the benefits of the American Express Business Gold card he offered was that it included primary insurance coverage for car rentals and that the first year of the card use would be free. I accepted the card based on these benefits. When the card arrived, the paperwork indicated that the car rental insurance coverage with this card was only secondary. I immediately called American Express to understand why there was a difference and if I could get the insurance coverage that was promised. American Express said they would resolve this issue within 6 to 8 weeks. After 2 months went by, I called American Express to find out if there was any resolution. At that time they offered to sell me primary car rental insurance for an additional fee. I told them that I was only interested in the original offer in which the primary car rental insurance was included at no additional cost. I was then transferred to an American Express supervisor named XXXX. The phone connection was bad and the supervisor said she would call me right back in hopes of getting a better connection. We confirmed the phone number for her to call be back at. Several hours went by and I did not receive a call back from American Express. 
I feel that XXXX XXXX falsely represented the card benefits in the initial sales call so that I would continue as an American Express customer. It appears that American Express has no interest in resolving this discrepancy. At this point, I feel that it is in my best interest to cancel this account to avoid paying a renewal fee for this card.
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: Debt collection

Constant daily telephone calls to my house for months asking for XXXX XXXX when they have no idea whether she lives here or not. They are fishing for that answer. She does not live here but they don't care. They will call and call regardless
Product: Payday loan, title loan, personal loan, or advance loan

I am filing a formal complaint regarding identity theft and fraudulent accounts opened in my name. I am requesting immediate action to rectify the damage to my credit report and hold the responsible parties accountable. My personal information was compromised online resulting in many fraudulent accounts being opened. The following accounts are fraudulent. I did not authorize these accounts or authorize my information to be used to open these accounts : XXXX XXXX {$2300.00} Pursuant to [ FCRA 15 U.S.C . 1681c-2 ] ( Section 605B ( a ) ), I am providing the following documentation as required for the blocking of information resulting from identity theft : XXXX. Proof of my identity. 
XXXX. A copy of my identity theft report. 
XXXX. Identification of the fraudulent information. 
XXXX. This statement that the information is not related to any transactions I have made. 
Also pursuant to [ FCRA 15 U.S.C. 1681c-2 ] ( Section 605B ( a ) ), I demand that you immediately block the reporting of all information related to these fraudulent accounts and the mortgage default, as required by law within XXXX business days upon receipt of this letter. 
I am prepared to pursue all available legal remedies, including those afforded by [ FCRA 15 U.S.C. 1681o ] ( Section 617 ), to recover any actual damages sustained as a result of this negligence and to seek reimbursement for legal fees incurred.
Product: Vehicle loan or lease

On my XXXX and XXXX report my account with Copper Lake Financial shows a XXXX balance and account closed. It shows as open with an {$8000.00} balance on my XXXX report. The same holds true for my husband. I initiated a dispute to have this corrected on my XXXX credit report and Copper Lake Financial reported back that the account was accurate and would remain the same. This needs to be fixed to reflect consistent with XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

hard inquiry not made by me. XXXX  XXXX XXXX
Product: Payday loan, title loan, or personal loan

On about XX/XX/XXXX and XX/XX/XXXX, monies were electronically sent to American Express Company ( AMEX ) by XXXX XXXX XXXX. These monies were sent back to be applied against a personal loan I had taken with AMEX. There were two separate transfers made : {$350.00} on XX/XX/XXXX - Reference Trace Number : XXXX {$10000.00} on XX/XX/XXXX - Reference Trace Number : XXXX AMEX has verbally acknowledged receipt of these funds and has been agreeing to credit any interest that may be accruing for the amount of the funds returned i.e. they don't want me to be responsible for paying interest on funds that have been returned and received by them. While this is being done, they still have not applied the returned monies to my outstanding loan balance. This is placing a burden upon me as I still do not have use of the funds as originally intended ; I can not apply for a new loan until this loan has been paid off AND it is restricting my access to money from others as this is showing as an outstanding loan of {$15000.00} +/- on my credit report, adversely affecting my credit score. I have spoken to a XXXX ( Employee Badge # XXXX and XXXX both " supervisors '' in their personal loan department several times to no avail. While they have been polite and have acknowledged the frustration surrounding this matter, both on their part and mine. They seem to be struggling to get answers on their end! 
I just spoke to XXXX again yesterday AND once again informed me that he is still waiting for another department within AMEX to " manually apply '' these funds against the balance on my account. He once again shared his frustration over the fact that this still had not been done despite my repeated called and entreaties to him and AMEX. He has told me that he has elevated this matter in terms of importance BUT still no resolution. I am unable to speak to anyone else within AMEX to obtain a resolution. I would like the returned funds totaling {$11000.00} to be applied to my account ASAP! Thank you, XXXX XXXX XXXX