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

I have tried for the past 2 weeks to unfreeze my credit report and have not been successful. I am submitting this complaint through the cfpb for help in resolving this problem with the credit reporting agency TRANSUNION. They say I need to prove my identity because they cant verify it. To rectify this identity theft issue I have attached all my identification documents that identify myself, along with a request to unfreeze my credit report.
Product: Checking or savings account

On XX/XX/24, Square deactivated my checking and savings account on their platform. Prior to this, my account was placed on several holds that prevented me from transferring funds and having any kind of access to my money. I contacted the platform on multiple occasions over the last few months to see if there was a reason for this, and no information was provided.

After multiple attempts to get clarity on what was happening with my account, the company decided to deactivate my account and sent a generic email that listed reasons that my account could have possibly been deactivated. I feel as if this deactivation is targeted, unwarranted, and unfair. Furthermore, the email states that the deactivation only applies to my checking account, however, they are holding funds that are in my savings as well. It goes without saying that this is frustrating and inconvenient because if my funds are not released before 90 days, I will face financial hardship as most of my $ is in that savings account. Square is refusing to give me an appropriate response when I reach out and they have blocked my phone number from getting beyond the automated system in order to speak to a human.

I believe that their decision is unjust and uncalled for. While I am okay with not continuing on their platform, I would like my funds to be released immediately to avoid a financial crisis.

Any help with this would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is XXXX and I have disputed 7 times 1. XX/XX/XXXX # XXXX ; 2. XX/XX/XXXX # XXXX ; 3. XX/XX/XXXX # XXXX ; 4. XX/XX/XXXX # XXXX ; 5. XX/XX/XXXX # XXXX and 6. XXXX ; 7. XX/XX/XXXX # XXXX XXXX XXXX account and they still have not corrected the incorrect information. At one point they added a " repossession that never existed which dropped my credit score 60 points and lost my ability to get a mortgage. I have sent dispute letters and documentation to have them remove this account from my credit reports because it is negatively effecting my credit report. They have to either remove it from my credit report or DO NOT SHOW any late payments and paid as agreed. This account has been closed and was never repossessed. The first late payment was on XX/XX/XXXX and is over 7 years old. Per law The original delinquency is the one that starts the clock. That means the entire sequence should disappear seven years from the first date the payment was late. Which is XX/XX/XXXX. This is over 7 years and I have ask over 7 disputes to please remove and stop reporting all late payments. It should reports paid as agreed no late payments.
Product: Vehicle loan or lease

Filed dispute with Westlake Financial Services and received confirmation via Certified Receipt Return Mail. 

Dispute the fact that I had XXXX XXXX XXXX XXXX XXXXXXXX XXXX early in the morning before I signed alledged loan documents. 


Moreover, informed financed XXXX from XXXX XXXX, I had XXXX XXXX XXXX XXXXXXXX and I wasnt coherent to respond to anything about loan for XXXX XXXXXXXX XXXX. 

XXXX XXXXXXXX just pressured me into signing loan documents while I was XXXX. 

Told XXXX XXXXXXXX I was not in my right mind. 

Took car back XXXX XXXX and told XXXX XXXXXXXX I dont remember buying car and did not want it. XXXX XXXXXXXX advised me that the car is mine and there is nothing that he could do. He told me Westlake Financial Service is the finance company that I would make XXXX payments. 

Westlake Financial Services are in violation of the Fair Debt Collection Practices Act, The Truth in Lending Act and relevant section of the XXXX XXXX and the Consumer Financial Protection Act.The following illegal debt collection tactics were used such as pretending to call from a XXXXXXXX XXXX  and threatening me to pay and informing me that my car would be repossessed. Call ID stated different companies. Companies on call ID wanted money from me to pay Westlake Financial Services car payment for my XXXX XXXX. Westlake Financial Services called XXXX XXXX XXXX XXXX XXXX without my permission. Westlake Financial Services disclosed loan information without my permission to my family, friends and employers such as my car would be repoed and that I would severe consequences. Will mention the severe consequences if I file complaint with the Consumers Financial Protection Bureau.
Product: Checking or savings account

I have been trying to transfer my account out from HSA Bank to XXXX for many weeks. 
HSA bank is not honoring my request. They are stonewalling, lying and doing everything BUT transfer the account out. 
I had emailed them, they interacted with me via email and when they did not help, I requested information about who regulates them, they then claimed they " can not help me via email '' for privacy reasons. 
I interacted via the phone, multiple times. They lied to me every time about the reason the transfer did not go through and then the rep claimed it will go through within the next couple of days. It has been many WEEKS. 
I asked them over the phone, who regulates them, so I can file a complaint, they did not provide the information and the rep claimed over the phone that they will file the complaint over the phone, which i am sure is a lie. 
XXXX called them on my behalf, and they refused to cooperate claiming they are " protecting my privacy ''. 

They are holding my account XXXX and refusing to release my money. I can not believe that at the cusp of XXXX, financial institutions in America do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was offered a modification on my mortgage with XXXX XXXX. I had to make XXXX trial payments as follows : XX/XX/XXXX {$3200.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1200.00}. 

The modification then detailed that the actual mortgage payments of {$1200.00} would start on XX/XX/XXXX. I have the copy of the modification package. 

Being that this left XXXX without a payment, I decided to make the regular payment of {$1200.00} anyway so that there would be no lapses in payment. 
Check XXXX for {$1200.00} Mailed on XX/XX/XXXX ( I have the XXXX receipt ) Cleared my bank on XX/XX/XXXX ( I have the copy of the cleared check ) I then discovered that XXXX XXXX  reported me to the credit bureaus as being late in XX/XX/XXXX. I called and spoke directly with the account manager and explained this to him. I also submitted my proof of payment, showing the cleared check and the postage receipt. They did not correct the reporting. I called two more times and spoke with other XXXX XXXX personnel, who also stated they considered the payment late. I then filed a direct dispute and provided the cancelled check and the postage receipt showing the payment made and cleared in a timely manner and the credit bureaus also contacted XXXX and after getting their response, left the late reporting on my credit. 

I have been working very hard to repair my credit in order to refinance a very high loan on another property and am unable to do so because my credit score is very directly impacted by this erroneous reporting. I have tried every means to get this corrected and can not get it fixed.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) XXXX Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as Pintos v. Pacific Creditors Association ( 2010 ) and Dennis v. BEH-1, LLC ( 2002 ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had made multiples complained to during the past 3 years to XXXX, Transunion and XXXX about fraudulent accounts, inquiries and my personal information been incorrect. I keep getting information back about the accounts been verified. I asked for proof of validation along with proof of my signature in all those accounts and nothing has been provided. Investigation had taken over 60 to 90 days without a positive outcome despite sending all the police reports.Those accounts had been disputed over the years since my identity was stolen. Also my social security number and name has been change which has made difficult to get employment and credit due to all the mistakes on my credit reports with all 4 credit bureaus. Please get all the wrongful information deleted from my records. Thank you
Product: Mortgage

My home insurance company ( XXXX ) claims ( as of XX/XX/XXXX ) that I have not paid for my home insurance because the bank ( Suntrust, now Truist after merger ) managing my mortgage and escrow sent a " bulk check '' with 60 different mortgage holders on the check, and the insurance company is/ has been unable to connect this bulk check to my insurance account. 

The check was sent from Suntrust, now Truist, to XXXX on XX/XX/XXXX. The due date from my insurance company was XX/XX/XXXX. 

Suntrust, now Truist, believes they have paid the escrow, while XXXX believes they have not. I and possibly 59 other mortgage holders are caught in between. 

The bank claims they can not confirm whether or not the insurance company has received the check until 30 days after issuance of the check by the mere fact it was a bulk check and the insurance company is given 30 days to process it. I have no idea if this is a true statement, whether there is a financial law or regulation making it so. 

But because of this delay, this automatically means escrow payments will be late in the eyes of the insurance company. 

My other concern is the bank will do the same for my property taxes. 

XXXX has extended my grace period for one month, though because of the holidays, this gives me maybe 2 or 3 days to resolve the problem. I shouldn't have to be the one to resolve it. 

Suntrust, now Truist, gave me the check number, the check amount, and the number of names on the check on XX/XX/XXXX. They claim that they can't check whether the check was cashed until XX/XX/XXXX. XXXX at XXXX was the point person at Suntrust, now Truist.
Product: Mortgage

I fell behind on my mortgage payment XXXX due to covid19. On XXXX, I applied for assistance with my mortgage company and on XXXX was denied for all options that allow me to keep my home. I was denied for a repayment plan because they say I can't afford it. I was denied a loan modification because they are unable to lower my principal and interest payment. 

This global pandemic has caused a hardship that would otherwise never have happened and caused a default that otherwise would never have occurred. To require that I come up with all mortgage payments at once or move out of my home while we are still in the pandemic is extremely disheartening.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that, although I have written several letters, asking for validation of debt, audit trails, I am not getting any response because of the automated system you have in place, which in fact is a violation as well. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws. 

15 USC 1681 AE 15 USC 1691 15 USC 1601 15 USC 1692
Product: Credit reporting or other personal consumer reports

I have submitted endorsed promissory note to indentured trustee for XXXX XXXX XXXX, which is XXXX XXXX XXXX ( XXXX XXXX ) for the proper cancellation of debt. According to the Securities Exchanged Act, Bankruptcy Banking Act and Indentured Trustee Act, there are liable and responsible for the fraud that is happening. I have specifically requested the True Bill of Sale and proper tax filings for the charged off account held with XXXX XXXX XXXX. They provided a copy of installment contract and it does not match the payment amounts that I was charged. If the contract states my monthly payment was XXXX, why are you saying my payment was XXXX? 

Doesn't matter if its a XXXX dollar difference, the contract was changed after I left the dealership. and that is FRAUD. I did not sign any contract for a monthly payment amount of {$680.00}, that is not what the contract specifies. THIS IS ACTUALLY A BILLING ERROR AND MUST BE ADDRESS. WHY WERE YOU CHARGING ME A DIFFERENT MONTHLY PAYMENT AMOUNT THEN WHAT WAS AGREED IN THE CONTRACT. REFER TO THE PAYMENT HISTORY AND INSTALLMENT CONTRACT YOU SENT ME. 

If the account is charged off you should have filed a form with the IRS and as the debtor I should have received it, so why are you continuing to report a late payment for an account that has a XXXX monthly payment? 

The Right of Rescission does apply here due to legal cause because you changed the contract terms first without my permission. 

THE PAYMENT HISTORY LIST FUNDING ON XXXX, MAY YOU PLEASE EXPLAIN TO ME WHERE THIS FUNDING CAME FROM? DID YOU GIVE A LOAN TO XXXX XXXX, DID XXXX XXXX GIVE YOU OR LOAN, I WAS NEVER GIVEN ANY AUTO LOAN? SO WHERE IS DID THE FUNDING IN THE AMOUNT OF {$39000.00} COME FROM AND WHERE DID IT GO BECAUSE I NEVER RECEIVED ANY CHECK OR LOAN.
Product: Mortgage

I have had nothing but problems with PHH Mortgage company for the last threeeyearsand my stories could go on but let me explain whats currently happening, a few months ago in XXXX I decided to go through a new home insurance company which cut what I was paying for insurance in half, so in XXXX I called PHH advised them I needed them to do a reanalsys so that my mortgage payment that month was n't as high as if I was still with the old insurance company, Both my agent and I faxed in multiple copies of my decloration page and also had a XXXX way call with do represenatives and my agent and I on the phone confirming they had my new insurance information. They informed me after the re analsys that i will be receiveing an overage check for about XXXX because by escrow had an overage which makes sense because it was time for renewal. well i received the check, used the money and now in XXXX i receive a letter saying my escrow is short XXXX $ how its that possible? so i call phh and they say the overage check they cut me i was suppose to pay my insurance, well i have never paid my insurance out of pocket, its part of my escrow. they said they letter attached to the check they sent me explain its, well they are wrong the letter says nothing of the sort and i was never informed. i have the documentation that there were funds left in my escrow they are also saying they paid my insurance because i never provided my insurance information which is untrue as well. now since Friday XXXX/XXXX/15 i was waiting on a XXXX supervisor return call, and still have not received one. I also have to pay PMI which is costing me about XXXX $ a year.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mazda Financial Services has made it difficult for me to obtain the full buyout procedure for my lease, making it appear that leasing/buying a new XXXX  vehicle or returning the vehicle are the options accessible to me.
Product: Credit card or prepaid card

On XX/XX/2019, I made a payment to Capital One Bank for a credit card which I have had in my name for more than 3 years.  Shortly after making the payment in the amount of $XXXX, the credit card was restricted from use.  I was instructed to phone a telephone number owned by Capital One Bank and was told the card account was restricted due to fraud.  I was asked to send in identity documents, resident documents, and a copy of my ssn.  I sent all this information to Capital One Bank and waited for a response.  I received a letter in the mail from Capital One telling me that they had placed a hold on my account due to fraud and again to phone them at the telephone number on the letter.  I made the call to Capital One on Saturday, XX/XX/2019.  I was told that they received my documents however, they wanted my bank statements including my personal bank account number, another copy of my id document front and back blown up 225% and a utility bill with my address upon it.  Until then they would not unrestrict my credit card.  I then asked if they would close my account since I had provided them enough personal information and they have recently suffered a data breach.  They have not closed the account nor have they responded.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX - Account # XXXX has violated my rights. 

15 U.S.C 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 hand written instructions.
Product: Credit reporting or other personal consumer reports

I would like to dispute several inquiries made through equifax & XXXX in XXXX & XXXX of XXXX. Education loans from XXXX XXXX, I have never attended a college in XXXX XXXXXXXX services my student loans in XXXX Auto loans from XXXX incorrectly reported as repossessed but the account was paid off & closed in XXXX. XXXX XXXX XXXX  incorrectly reported as {$700.00} balance when this was closed & reported as {$0.00} balance in XXXX.
Product: Credit reporting or other personal consumer reports

On XXXX I requested XXXX to update my personal information on my credit report. I requested only my current address, XXXX XXXX XXXX, XXXX, GA. XXXX remain on my credit file and to remove all address on file. I also requested that my only employer is XXXX. I sent a current bill, driver 's license, and a social security card. On XXXX my certified letter was received on XXXX and signed by XXXX XXXX. On XXXX I received a response from XXXX stating that I didn't not provide appropriate information such as my driver 's license, bills, and social security. I would like to investigate this matter because I provided the information needed to grant my request. 

On XX/XX/XXXX XXXX disputed items my credit report from XXXX. I also sent a current bill, driver 's license, and a social security card. My certified letter was received on XX/XX/XXXX and signed. On XX/XX/XXXX I received a response from XXXX stating that I didn't not provide appropriate information such as my driver 's license, bills, and social security. I would like to investigate this matter because I provided the information needed to grant my request. 

On XXXX I requested XXXX to update my personal information on my credit report. I requested only my current address, XXXX XXXX XXXX, XXXX, GA. XXXX remain on my credit file and to remove all address on file. I also requested that my only employer is XXXX. I sent a current bill, driver 's license, and a social security card. On XXXX my certified letter was received on XXXX and signed by XXXX XXXX. On XXXX I received a response from XXXX stating that I didn't not provide appropriate information such as my driver 's license, bills, and social security. I would like to investigate this matter because I provided the information needed to grant my request. 

I also requested Transunion to Update my personal information providing the same information as I did with XXXX. Transunion also stated that I did not provide the correct information. Attached is all the information that I provided.
Product: Debt collection

I was hoping it wouldnt come to this. But XXXXXXXX XXXX deserve to be protected!! I lived at XXXX XXXX XXXX for 2 years. I gave them 2 years of loyalty, never a late payment in spite of having to deal with, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX one of which was a good friend of mine in the neighborhood who owned the liquor store across from the apartment complex that happened directly across the street from my apartment unit and another third shooting that happened in my apartment complex at XXXX XXXX. Is one supposed to have to live like that? I carried out 2 years and when it was time for me to sign my third lease I had the option to sign that lease 2 months in advance. At the time my finances were not in the best position to move so I went ahead a signed the lease. Well, things changed when my friend was shot at the store, I needed to desperately move and for a peace of mind. My XXXX, my friend had just been shot and killed in his own store that I frequently shopped at. I never asked for any sympathy but 1 month before my new lease was supposed to go into effect I went to talk to XXXX who was the XXXX XXXX XXXX of the company that owned XXXX XXXX XXXX which was XXXX XXXX. I just asked that because my lease had not gone into effect could they simply waive the fee that they charge to break the lease. I've been a great tenant despite the issues. You have already taken my deposit that I paid which I never got back. Now you want me to pay {$800.00} to break the lease. so boom they put the {$800.00} on my credit when they know I'm moving to another place. the debt hit my credit faster than I could move out. So now I just recently settled the payment at {$400.00} which they could have offered that before and met me half way but now it effects my credit. This how you do XXXX people when it comes to credit. The lease had not even gone into effect. This entire situation was insane. I held up my end of the bargain by paying 2 years straight but they failed me as a tenant. provided no safety measures following the first shooting, didn't even offer resources for therapy for the mental health issues that could arise from simply hearing XXXXXXXX XXXX. we do our communities a disservice when we don't show empathy and we make it all about the money. that is pure greed.