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

Through my agent, ( at XXXX XXXX, ) there was a policy placed my property at XXXX XXXX XXXX, in XXXX michigan and was cancelled 4 days after. This was some time in the spring of XXXX. 

There was new Insurace placed on the property through XXXX, with a different carrier. All of my bills are paid through auto pay on my credit card and as far as I knew everything was being paid because my card was being charged. 

I never received a bill or any correspondence from XXXX XXXX or XXXX and now there is a collection on my credit. 

I dont think it is fair to report to collections without ever billing me. Is there anything g you can do to help. 

Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several hard inquiries listed on my credit report that I did not authorize. These inquiries were made fraudulently and without my consent, in violation of the Fair Credit Reporting Act ( FCRA ). 

Below are the details of the unauthorized inquiries : XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Applicable Laws Violated : FCRA Section 604 ( a ) ( 2 ) ( 15 U.S.C. 1681b ) : A consumer reporting agency may only furnish a credit report for a permissible purpose. Hard inquiries require the consumer 's authorization.

FCRA Section 616 ( 15 U.S.C. 1681n ) : Willful noncompliance with the FCRA, such as reporting unauthorized inquiries, subjects the reporting entity to liability.

FCRA Section 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ) : Consumers have the right to dispute inaccuracies in their credit reports, and the credit bureau must investigate the disputed items within 30 days.

FCRA Section 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ) : Furnishers are prohibited from reporting inaccurate or incomplete information knowingly.
Product: Mortgage

My SunTrust HELOC was going into repayment. I received multiple notices and phone calls informing me of my options to extend my repayment up to XXXX years at about 4.75 % .. At XXXX point about three months ago I had asked what the interest would be on repayment of the existing loan and they told me over 5 %. So I spent time looking into other HELOC options or rolling it into a refinance of my home. 

Finally SunTrust sent an agreement by XXXX to be signed for a XXXX year HELOC extension. I called to ask about the offer and I asked again what the interest would be on repayment of the existing HELOC. They said they did n't have that information and I would have to check my HELOC agreement. After trying to push the 20 year HELOC for a few more minutes I told them it was strange that they do n't know the interest for my existing loan and I ca n't make a decision on moving forward with a new HELOC without that information. They then gave me another phone number and at this number they informed me that the payback interest is only prime ( about 3.25 % ). 
There was a carefully laid plan to deceive me and push me to sign a longer term loan at a higher interest rate. This is clearly unethical practice and should be stopped immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection/Chargeoff UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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: Credit reporting or other personal consumer reports

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( block, INC. ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically cashapp failed to take timely and effective measures to prevent and address fraud on there platform. Leaving my account vulnerable and unprotected. Further more their dispute 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 of these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some years ago, a hospital double billed me for medical services. I paid what I owed and told the hospital that I was doing so, and did not hear back. I thought that was the end of it. But apparently, it was not. The hospital submitted the entire bill to bill collectors. The bill collectors, in turn, broke the one bill up into multiple charges and submitted EACH ONE to credit reporting agencies as a separate delinquent " account, '' so that my credit report shows not one but FOUR collections. These have dropped my FICO score by more than 100 points. The bill collectors appear to be trying to use this technique to force me to pay them, as I have not been able to get credit I need due to the redundant, false, derogatory information. This is not legal, and - as I have mentioned - I actually do not owe anything at all. I have reported this fraud to the Trans Union credit bureau but the false collections are still shown on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 1. XXXX Inquiry Date XX/XX/XXXX ; 2. XXXX Inquiry Date XX/XX/XXXX ; 3. XXXX Inquiry Date XX/XX/XXXX ;
Product: Checking or savings account

XX/XX/2019 I started receiving codes with numbers to access my account. I was not trying to access my account. I called Chase Banks customer service number and they asked me which checking account number? I only have one checking account with Chase Bank. It ends XXXX. Someone had opened a new account in my name. The bank had locked me out of my own account online. Then Chase bank tells me someone disputed legitimate items I had paid like my XXXX Car insurance. I made that transaction. I went into the branch in & spoke with XXXX. The fraud department told me I would need to do this. I did. XXXX assured me XXXX would get there money. She told us she closed the other 2 accounts and opened a 3 new account. Now my Chase sends me two new debit cards ( I should only have one ) one of the debits cards was already activated when we called the number on the card. Our car insurance is now being cancelled. Who knows where my money that I paid XXXX is. My social security payment is missing. I want my social security money that Chase assured me would be safe. If Chase is going to continue to fraudulently open under my name I demand that everything be closed in my name and my money returned. This is ridiculous. We have also received two new debit cards in the mail. 2 more  account numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

It states that my dispute was verified and item removed from report. XXXX has you your current report and I go there and it's on there still
Product: Mortgage

On XX/XX/XXXX, we had a major flood at our home. It required us to be moved into temporary housing until we could have renovations done. Our insurance company completed their estimate and issued a check to us and the mortgage company. We signed the check and sent the check to our mortgage company for endorsement. They sat on the check for 10days before moving forward. they then issued {$6600.00} from a {$26000.00} check. This amount was to get the contractor to 25 % completion which was a joke, because the funds were based upon a {$44000.00} completed job and 25 % complete was not {$6600.00}. They have since wasted 4 weeks and have not released any more funds so we can get back into our home, I have paid for overnight services for the check to be sent. Our contractor has called, our insurance company has called and let them know its holding up progression. They have yet to release anymore funds as requested. They are now playing with the funds saying it takes 7-10 days to get a check printed. Meanwhile we are being charged more from contractor because the price of materials have went sky high. The company that is holding the money is XXXX XXXX, located in Michigan. There are several similar complaints about this company at the XXXX  for doing the exact same practices and causing major issues to homeowners.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 

XXXX XXXX Balance : {$300.00} XXXX XXXX Balance {$940.00} XXXX XXXX Inquired on XX/XX/year> 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXXEquifax/XXXX  was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries/ accounts listed below are still reporting on my Credit Reports and need to delete immediately : Incorrect Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In XXXX of 2015 I applied for a home loan through Wells Fargo Mortgage, my loan representative/officer was XXXX XXXX, Branch XXXX, Wells Fargo Mortgage in XXXX, CA. The home I purchased was a new condo being built with a completion estimated at mid to late XXXX, 2015. First off, I had never met XXXX personally so for him to refer to me as bud, which he did often when responding to texts/emails ( if he responded at all ) was very unprofessional. He often ignored texts/emails/phone calls and lacked proper communication skills. He rarely kept me informed of my loan progress and only provided updates when requested and sparsely at best. As earlier stated the completion was set for mid to late XXXX so I had 7 months to get all the necessary information to XXXX. I was always prompt providing the necessary information/docs to XXXX as to avoid any miscommunication/setbacks/delays in the loan process. I asked for updates on a weekly/monthly basis ( which often went ignored ) and I was assured by XXXX XXXX that we were on schedule, at XXXX point he stated we were 2 months ahead of schedule. We were scheduled to close on XXXX XXXX, 2015, but due to XXXX 's inability to perform his job the closing was delayed to XXXX XXXX, 2015. When XXXX was unable to perform his job I requested another XXXX to handle my loan, at which point XXXX stated " you 're not going to want to hear this but no one in this office can do what I do '', at which point I requested his supervisors name XXXX XXXX XXXX XXXX and number. I contacted XXXX at which time XXXX took the lead on my loan process and without XXXX efforts I do n't think my loan would have closed when it did, if at all. On XXXX XXXX, 2015 I received a text from XXXX regarding an issue with the tax rate. During a telephone conversation between XXXX, XXXX and XXXX XXXX stated that the rate utilized by XXXX during loan approval was 1.5 % not the actual rate of 1.9 %. When I informed XXXX that I had provided XXXX that XXXX XXXX openly lied to XXXX and I, stating he did n't know the tax rate was at 1.9 %. However ; XXXX was provided the tax rate information via email on XXXX XXXX, 2015. This lie, XXXX 's inability to perform his duties and his unprofessionalism cost me an additional {$7800.00} in closing costs and placed unnecessary burden on several others who had to work unnecessary hours to insure my loan closed by year end.
Product: Credit reporting or other personal consumer reports

I am a victim oXXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/2024
Product: Mortgage

I had auto withdraw from XX/XX/XXXX through XXXX, they show a bunch of principle payments less than my payments. I only make large principle payments of {$500.00} or more. When all those showed up to me I had a {$220.00} payment that making That's just one thing, my checking account showing {$3000.00} on my large credit card payment in 1month even though I only have $ XXXX income XXXX. they also show fake charges with people you buy with. I only got {$2.00} of {$3500.00}! 

They were stealing on my large credit account by false charges and showing You didn't make your payment.
Product: Money transfer, virtual currency, or money service

The way zelle handles its disputes. During covid I was out a XXXX  XXXX XXXX. I had to cancel my account and get a new one because I had no other choice
Product: Debt collection

XXXX and LVNC Funding LLC continues to place me in collections for debts that are not mine. The are now claiming that I owe LVNV Funding LLC for an XXXX XXXX XXXX XXXX debt, and I have never done business with XXXX XXXX XXXX XXXX. When submitting a dispute with XXXX or LVNC, the do n't provide proof. They send a letter stating that it has been verified, but no proof accompanies the letter. When I dispute a debt with the various credit reporting agencies, XXXX turns things over to LVNC or XXXX of their other companies or, visa versa. At this time, XXXX is trying to collect for LVNC. This is a never ending, vicious cycle and it has been going on for years. At this time the collection company contacting me is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX. The Client Account # that they assigned is XXXX. I am formally disputing this debt. I pray that they do n't send it to another XXXX of their many companies in an attempt to continue hassling me, in an attempt to get me to pay a debt that is not mine, just to make them go away, or so that they do n't ruin my credit.
Product: Consumer Loan

Dear CFPB Staff, This letter is to notify you that I was not able to get a helpful response from KIA Corporation and I am turning to you as a last resort. 
The situation ; back in 2014 I leased a vehicle asking for a 2 year contract. The sales associate and sales manager agreed confirming verbally that it will be only a 2 year period as I was asking. 
After those 2 years and trusting their word, I decided to turn in the vehicle and lease another car for another 2 years. But few months after of having the new lease, I received a letter stating that the 2014 lease was for a 3 year contract. 
I went to the dealer to show them the letter expecting a prompt solution. They suggested me to contact KIA Headquarters. KIA Headquarters said the problem should be fixed at the dealer. A back and forth situation that meanwhile is causing my credit score to be impacted. 
It would have been fair KIA representatives would have let me know about this contradiction when I was turning in the first lease for me to not proceed and to avoid all this trouble. This day, XXXX different people thanked me for my business and for coming back again ( sales manager, sales rep., financing rep., service department rep. ) If this situation would have been of my knowledge or brought to my attention that it was a 3 year contract, I would n't have had return that vehicle until its due date. I would n't have had lease another vehicle. I would n't be writing you this letter at this moment. 
I respectfully ask for your assistance, please.
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. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I just want to inform you for the final time in a professional manner. Look, I 've been getting harassed, disrespected, and receiving threatening phone calls that I will be getting sued by your company acting as a lawyer. I do n't take threats lightly and I have contacted the Police to file a report on behalf of this matter, contacted the state attorney general, FTC, BBB to file complaints, I have contacted my lawyer to insist on pursuing legal actions against you. You have not only cause me to fear for my life, you 've caused major damage which I am now XXXX, and I 've been treated unfairly. I am unaware of the accounts. I request each of you collection Agencies and creditor reporting agencies show me proof of verification that you supposedly have in your file. There is no actual copy of the supposed debt that you 're saying I owe, i am unaware of these accounts. 
By law if you 're unable to provide legitimate validation of this debt with the actual contract, you must remove it immediately. You 've violated my rights by harassing me at work, on the phone, you also threatened me to pay a debt that I am unaware of, you have illegitimate debt that you are trying to collect on an innocent civilian. FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it. It violates a major section of the Fair Credit Reporting Act. 609. 

1. XXXX XXXX 2. XXXX 3. Plaza Service
Product: Checking or savings account

I was a Simple bank customer for several years. Simple shut down and all accounts were transferred to BBVA on XX/XX/XXXX I thought I would give the new bank a shot. Instead, I've been locked out of my account with no access to funds for 4+ days. They're not answering the phone. I've called 3 times with more than 1 hour wait times. 

They're not emailing customers about the problems. We have to follow XXXX to get updates, and they're not telling us when the problem will be fixed. All they're tweeting about is the call center availability. 

Thousands of people are without access to their money right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps placing this XXXX account on my credit report. They have a numerous occasions ignored the enormous amount of proof that this account does not belong to me and they keep removing it from my credit report and putting it back on which is a violation each time they have done that. I have sent in affidavits police reports the act took place in another state that I have never lived in. The transactions were done in another state. I have irrefutable proof that it was not me, but I am still being damaged by the incorrect and I erroneous information. XXXX has verified with an email that I don't have an account with them. I contacted them to let them know that I was declined due to their company being on my report and they responded with an email saying that they do not have an account under my name I want this account removed from my credit report immediately.
Product: Debt collection

During the last week of XXXX, I spoke with a representative from National Credit Systems that stated my account had already been submitted to a lawyer and she gave me a different department. I then spoke with a representative that offered a settlement in the amount of {$1900.00}, however it had to be paid within a week. I explained to them that I did not have the funds and I was told then we cant help because its going to court. In an effort to still rectify the situation I called once I had the funds available, on XX/XX/XXXX, and I was then told that the account was back with National Credit Systems, and to avoid a judgement on my credit I needed to pay {$2600.00}. I again called the very next day and was told I needed to pay {$2900.00} for the same reason. At that point, I asked to speak with a supervisor and when I spoke with him he stated he has no control over what the creditor asks for, it that he would contact them and call me back the early part of the next week with a settlement offer. Well, that was last week and I never received a call. I called again in today, XX/XX/2020 and was out through to a voicemail on three different occasions.