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

RE : XXXX XXXX Services # XXXX These numbers were listed on my TransUnion report. I was unable to access the information on my credit report or file. I demand access to this investigation report. I submitted dispute letters on XX/XX/2020 demanding a validation of the alleged debt from TransUnion in pursuant 15 USC 1692g. I demand the original copies of the signed credit application from the initial creditor, the exact amount of the alleged debt, a clear and concise explanation of how TransUnion calculated what you say is owed, copies of all or any documents that prove that I agreed to pay what you say is owed. cashed checks used for bill payments, and identification of the creditor including the accurate contact information. In pursuant of 15 USC 1692g ( 4 ) I am demanding verification of the debt and copy of such verification to be mailed to the consumer. I am demanding verification of all relevant information and any documents your agency retrieve from the creditor. I demand a copy of your investigation report that was placed in my credit report and credit file in pursuant of 15 US1681d. Disclosure on request of nature and scope of investigation make a complete and accurate disclosure of the nature and scope of the investigation requested. If you fail to properly verify the enclosed requested documents and this alleged debt continues to be furnished on my credit report and credit file. I shall not hesitate to sue you for damages under the Fair Credit Report Act. Unverifiable information must be removed immediately. Also, TransUnion, your consumer report agency or bureau decreased my credit score by 50 points as a form of intimidation upon me filing a dispute. No credit bureau or consumer reporting agency shall use any false, deceptive or misleading representation or means in connection with any debt. Consumer reporting agencies such as XXXX, TransUnion, XXXX shall refrain from abuse of powers and threating a consumer credit score. Consumer reporting agencies or bureaus shall refrain from acting aggressively to report information to a consumer 's report and file due a fee and mutual agreement with the creditor. Consumer reporting agencies has cause someone like myself to lose out on an opportunity to purchase a new home due to the fraudulently and criminally acts.
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act XXXX XXXX ( a ) ( XXXX ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to XXXX XXXX XXXX XXXX XXXX you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX. XXXX XXXX XXXX  XXXX - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I was trying to buy a house.I realize I had damages on my report according to the laws 15 U.S.C 1681 there shouldnt be any damages on my report it is defamation to my character. According to FCRA section 605b it is illegal to report information on my credit report without my permission. Thank you please remove these from my credit report now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has illegally placed a collection on my consumer reports, violating my FEDERALLY PROTECTED consumer rights. In accordance with The Fair Debt Reporting Act the account with XXXX XXXX XXXX XXXX has violated my rights : 15 U.S.C 1658 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2. It also states that a consumer reporting agency can not furnish a account without written instructions from the consumer... I have not given any such permission.
Product: Checking or savings account

NEW COMPLAINT : Pentagon federal locked my account AGAIN. That is 9 times this year, and for ***REGULAR*** payments and expenses I make. This is beyond ridiculous. Every call to them takes an hour to fix this, and usually requires more than XXXX call to fix. This is inexcusable. 
Pentagon Federal also was unable to fix the lock throughput the ENTIRE HOLIDAY WEEKEND which is also inexcusable. They seem to be fraudulently holding funds without reason and without the proper Personnel available to remedy the situation. These things violate the bare minimum expectations of a consumer towards their Bank and they need to be addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for a chapter XXXX Bankruptcy back in XXXX it was completed in XXXX. Since then I have been arguing with Transunion they show my Mortgage as a missed payment in XXXX. I have never missed a payment furthermore they continue to show outdated information my current balance is also incorrect. Never the less according to the NYS law they can not proceed to report this account as it was included in the bankruptcy and the attempt to do so is in Direct Violation of the discharge, this is also stated in the Fair Credit Reporting Act as a Violation and I should have grounds for them Violating the discharge. I have spoken to the other 2 credit monitoring agencies and they show as closed included in the bankruptcy however here I am still fighting with nasty people from Transunion they are hurting my credit and I was also given a very high interest loan due to this as well they should be held responsible Transunion and my mortgage company XXXX both are in violation for in accurately reporting my account I have never been late after the discharge. 
When you file for bankruptcy, you are required to list all of your debts and this includes your mortgages. When you receive a discharge in bankruptcy it also discharges your personal liability for the mortgages on the home. It does not remove the mortgage lien that exists on your home. This means that if you fail to make the payments on the home, then the mortgage company can foreclose on the home but can not pursue you for any deficiency judgment. 
Mortgage companies will not report your mortgage payments because they are concerned that it violates the automatic stay or discharge injunction. The concern is that reporting the payments on the credit report can be treated as an attempt to collect a discharged debt. This can subject the mortgage company to a discharge violation in bankruptcy court. Reporting negative information for any mortgage payments that are late can be treated as a discharge violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNAUTHORIZED CREDIT PULLS
Product: Mortgage

IN XXXX I GOT A XXXX MOTGAGE WITH XXXX WHICH WAS SOLD TO SHELLPOINT. I PAID IT OFF XX/XX/2015. I RECENTLY TRIED TO REFINANCE AND THE LAWYER FOUND THE DEED OF TRUST WAS NOT RELEASED PROPERLY AS IT WAS RELEASED BY XXXX WITH NO POWER OF ATTORNEY FOR XXXX TO RELEASE THE DEED. NUMEROUS PHONE CALLS BY MYSELF AND THE LAWYER HAVE NOT BEEN ABLE TO RESOLVE THE ISSUE.
Product: Credit card or prepaid card

I paid my boyfriends daughter cell phone for him via cash app for him. He transferred the money to me via cash app. I went online to pay the bill on XX/XX/XXXX. I went to make a purchase on XX/XX/XXXX and it was declined I went and looked on my phone and the company XXXX XXXX XXXX XXXX had taken a payment off my card. I then called them to tell them I didnt authorize them to take the payment and they were able to remove my card but not refund me because I couldnt verify the account. The rep at XXXX XXXX told me to dispute with my bank I filed a dispute on XX/XX/XXXX with cash app and received a decline to my dispute on XX/XX/XXXX. I called cash app to block the merchant from using my card and due yo them declining my dispute Im out of money for something I did not authorize. Cash app just flat out declined my dispute which means that anyone can add your card to their autopay without your consent and you will be out of your money! Isnt this some type of fraud or illegal activity?
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX FLORIDA ) XXXX I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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: Consumer Loan

An old debt from XXXX ( now XXXX ) was settled with XXXX XXXX XXXX ( XXXX ) for {$880.00}. First National Collection Bureau resurrected the claim using different account numbers. I paid First National {$730.00}, until I realized it was the same old claim.
Product: Checking or savings account

Square deactivated my account the same day I recieved a deposit for XXXX. They are refusing to release the funds or send it back to the originating bank. They keep saying go to the app and refund it. Which I can't because they held all funds as if it was never deposited but I have proof from their app and the originating account bank statement. I was told wait 90 days and they lied I still don't have my money please see attached they said XX/XX/XXXX. I'm going to sue for interest what they are doing is illegal
Product: Credit card or prepaid card

In order of occurance : 1. I used a Chase credit card ( XXXX ) to place a deposit on a hotel in XXXX one year ago. {$660.00}. 
2. In XXXX, I closed that credit card account. 
3. In XXXX, the hotel canceled our reservation due to Covid-19. The hotel said they would refund the {$660.00} to our credit card used to make the reservation ( even though it was closed. ) 4. Chase Bank has not refunded our {$660.00}. 
5. I have contacted Chase Bank several times, and they are unwilling to look up the account to find why the money has not been refunded. They offer only a fax number to submit inquiries and say I will receive a response in 30 days. They offer excuses about staff cutbacks, etc. 

This lack of service is unacceptable.
Product: Checking or savings account

XX/XX/2023 I disputed fraudulent activity on my account for an odd and unusual amount of XXXX XX/XX/2023 Case # XXXX As I requested they resolved dispute and removed credit from account. 
They forced a closure without me understanding why.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXXXXXX XXXX XXXXXXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any inf
ormation relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

According the Equifax 's website, they believe my personal information has been compromised by a recent cyber-attack. This puts me at high risk for identity theft and fraud. This is unacceptable!
Product: Credit reporting or other personal consumer reports

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct.I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I authorize you to take steps to correct my credit and send me physical proof of your actions.The following claims are unverified and require further investigation. Please report any verified claims immediately. Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in compliance with regulations or remove immediately Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Today is XX/XX/XXXX, I check my credit report and I saw XXXX inquiries fraudulent, please remove this inquaries, i never apply for any loans or credit card with this companies listed below XXXX XXXX XXXX XXXXXXXX date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXnquiry XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, Everything has to be 100 % accurate on my credit report. I did not consent, authorize or benefit from the fraudulent accounts below. 

XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX... .... 

15 USC 1681 Section 602A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

XXXX : I accidentally deposited money into a closed account through the XXXX ( sales ) app. 
XXXX : I contacted XXXX and was told to wait 5 days and that the bank would return the money. XXXX stated that the money was still in transit. 
XX/XX/XXXX : XXXX contacted me to let me know that the deposit was showing as complete and that I should contact the bank. 
XX/XX/XXXX : I contacted XXXX Bank ( XXXX XXXX XXXX ) and questioned what had happened. I provided the payout trace ID- the customer service rep told me that the funds had been returned to me approximately 1 week prior and that I should have the money within the next couple of days. I have never gotten my money. 
XX/XX/XXXX : I emailed the bank and asked for someone to please contact me. 
XX/XX/XXXX : I sent in a review of my customer service issue and requested that someone please contact me. 
XX/XX/XXXX : I called the bank again and the customer service rep was unable to tell me what happened. 
XX/XX/XXXX : I contacted the bank again and was told that the bank kept my deposit due to an old fee from closing the account months ago. 
XX/XX/XXXX : I sent another email and requested ( again ) that someone contact me. I also requested proof in writing of all of this. 

I have received ZERO communication from the bank and I have nothing in writing telling me what happened. I also currently have 3 open accounts with this bank and have banked here for years.
Product: Mortgage

I am not sure if this is the correct forum to file this complaint, but I was told by my mortgage agent this would be a place to start at. My wife and I purchased a foreclosure home, from Huntington Bank, in XXXX, Ohio. We made an offer on XXXX XXXX, XXXX, and agreed to terms on XXXX XXXX, XXXX. Upon entering contract we were told we needed to have financing in place, and an inspection done by XXXX XXXX, XXXX. We obtained our mortgage commitment letter XXXX XXXX, XXXX, and were told we would be clear to close as soon as an appraisal was carried out. All that was needed was for the home to be dewinterized, and utilities to be restored. However the bank failed to notify us that the company in charge of this task was not acting on its responsibilities. As a result we listed our home for sale, and it sold within XXXX hours. We were lead to believe that the transaction was going as scheduled, and proceeded with the sale of our home. XXXX we tried to schedule inspections, prior to the appraisal, but they were delayed due to the lack of utilities, which we were told would be turned on within a week ( as of XXXX XXXX, XXXX ). However delays started to mount up, and by XXXX XXXX, XXXX, we were still waiting for the appraisal, with a closing date of XXXX XXXX, XXXX set on our current home and no way to delay the closing. On that sate I found out that none of the utilities had been turned on, and a new company would be brought in to rectify the issues. It was n't until I called the utility companies, on XXXX XXXX, XXXX, that I found that the bank had been delaying the turn on of utilities, and as a result delaying the appraisal and our closing. I was able to get the utilities turned on by XXXX XXXX, had the appraisal completed, and was told by my mortgage company ( as well as Huntington Bank ) that we would be able to close on XXXX XXXX, XXXX, once the documents were received. However Huntington Bank called on XXXX XXXX, at XXXX pm ( XXXX minutes before their title agency closed ) to cancel our closing ; leaving my wife, myself, and our XXXX animals homeless. We were not able to close until the following Wednesday ( XXXX XXXX, XXXX ) at XXXX XXXX. During this time I was unable to work, we had to board our animals, and we lost a number of deposits and food in the process. We feel it is absolutely outrageous that the bank was able to delay our closing, with little or no notice, while being in breach of a contract they insisted on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XXXX I've sent a letter but it's almost 30 days now but I haven't received any response. The following accounts were fraudulently used without my permission. I am a victim of Identity Theft. I suffer from stress because of this issued.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying multiple and countless times to correct my Credit Report by having the disputed accounts corrected and fixed and or completely removing the disputed accounts from my Credit file, but my requests have been constantly ignored. I am now submitting this CFPB complaint to warn the Credit Bureaus that in the event they do not comply with my requests and do not correct or remove the disputed accounts from my Credit File, I will be filing a lawsuit. Under the provisions of the Fair Credit Reporting Act, I am expecting that the Credit Bureaus will have the disputed accounts fixed and or removed from my Credit File. I am expecting that the Credit Bureaus will conduct another investigation and ensure that the disputed accounts are reporting accurately as required by law. If it is easier to deal with a lawsuit than correcting my Credit Report, so be it. I will be needing the correction of the following accounts completely from my Credit file : XXXX XXXX  XXXX XXXX XXXX Owed : {$63000.00} XXXX XXXX Balance Owed : {$23000.00} XXXX XXXXXXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance XXXX : {$2400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

I was checking my credit report, XX/XX/2023 and I realize I saw some accounts in collections on my report that are in accurate and out of date and still reporting...
Product: Debt collection

The Huntington National Bank and its Recovery Department in XXXX, Ohio have maliciously sabotaged efforts to repay the new agreement amount of {$1.00}, XXXX since XXXX XXXX, 2020. My monthly payments to XXXX XXXX XXXX XXXX XXXX are missing and inaccurately being reported to credit bureaus since XX/XX/2020 to Present. Regarding a dispute, since there is not a fixed amount due each month or a specific due date ... there recovery department reported my XX/XX/2020 payment as " LATE '' to one of the credit reporting bureaus maliciously damaging my credit report! 
Huntington National Bank heinously reported to XXXX  Credit Bureau in XX/XX/2020 that I owe and have a balance of {$40.00}, XXXX damaging my credit report ( s ) intentionally. I have tried since XXXX, XXXX, XXXX and XXXX to remove these inaccuracies but Huntington National Bank - XXXX XXXX Customer  Research has continued to give over this false information. The Fraud Department of my 3 credit reporting bureaus are wanting a Police Report in these ongoing investigations to have these lies removed from my reports.