23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I sold my house and closed on my mortgage with Huntington Bank ( XXXX/XXXX/XXXX ). Everything was completed and I have possession of the final mortgage release ( XXXX/XXXX/XXXX ). I received a VERY vague letter from Huntington ( XXXX/XXXX/XXXX ) stating that I was paid {$5600.00} in error and that I need to repay that amount. This letter included no detailed explanation and no due date. From the beginning, there have been many questionable transactions with my mortgage. I checked my payoff amount ( on line ) right before the closing and it was significantly lower than I expected. My balance showed that a large amount had been paid to the principal. When I called to check on that, it mysteriously got corrected with no explanation at all several days later. At closing they had the escrow amount incorrect and had no record that I had paid my taxes/insurance. I had to prove that it had been paid and they sent me a check for that amount after closing. I have spoken to XXXX different representatives from Huntington ( XXXX XXXX and XXXX XXXX ) and have requested each of them to provide documentation regarding this particular transaction. To this date, I have received NO proof of what transpired that has caused them to request this payment from me. I do n't understand how Huntington Bank, a company that 's business is mortgage loans, can have so many issues with my mortgage. Obviously they have problems within their company. I should not be the one that suffers due to their inability to close my mortgage properly. Huntington has been very unprofessional while handling my mortgage and I do n't trust them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this email finds you well. I am writing to express my growing concern and frustration regarding the ongoing issues I am facing with TransUnion in relation to fraudulent and unauthorized inquiries appearing on my consumer report. Despite my best efforts, I have encountered significant difficulties in resolving this matter, and I am reaching out to seek your assistance in resolving this issue promptly. 

Over the past several months, I have diligently corresponded with TransUnion by sending multiple letters detailing the unauthorized inquiries on my consumer report. Regrettably, the responses I have received from TransUnion have been nothing short of discouraging. Instead of addressing the matter at hand, their letters have consistently lacked substantive action and instead appeared to be stall tactics, with no real indication of addressing the concerns I've raised. 

What is even more concerning is that one of my letters to TransUnion has seemingly been ignored entirely, as I have not received any response from them in relation to that specific communication. This lack of acknowledgment is not only frustrating but also undermines my faith in the credit reporting system 's ability to rectify such matters. 

I would like to bring to your attention that the Fair Credit Reporting Act stipulates very clearly that there are specific permissible purposes for pulling an individual 's credit report, which include : A firm offer of credit Insurance purposes Application for employment A court order It is evident that the unauthorized inquiries on my consumer report do not fall within any of these permissible purposes. As a consumer, I am protected by these provisions, and I find it deeply troubling that TransUnion appears to be neglecting their responsibilities in ensuring the accuracy and integrity of the information they provide. 

Given the urgency and gravity of this matter, I kindly request your intervention to facilitate a resolution between myself and TransUnion. It is my hope that your involvement will help to expedite the removal of these unauthorized inquiries and ensure that TransUnion adheres to its obligations under the Fair Credit Reporting Act. 

I am truly grateful for your time and attention to this matter. If further documentation or information is required from my end, please do not hesitate to reach out to me at [ Your Contact Information ]. I look forward to a swift and favorable resolution to this issue. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit card

I was involved in a fraud scam. The fraudster used my American Express account to purchase items totaling {$10000.00}. I never gave my card or card number to the fraudster. They represented themselves as being from American Express and were checking on fraudulent purchases that they made. They were very professional. I then got a letter from American Express, saying they recognized the suspicious activity. They proceeded to conduct an investigation. I received a letter ( XXXX ) saying the investigation was completed and charges would be credited to my account. The credits were made, but then reversed at a later date. When I questioned why the charges were now my responsibility, they said I gave the merchant my information willfully ( which I did not ) and they were holding me responsible. ( attached letter XX/XX/23. 

I have included all correspondence between AMEX and me. The correspondence describes the sequence of events regarding the fraud and my communications with AMEX. I have never done business with the merchants involved and AMEX has not given me proof that the merchant verified my identity at the time of purchases
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX. I was a victim of the Equifax data breach my information was compromised. I never received compensation from the settlement. And ever since it happened Equifax has been unable to provide any information about my credit report. It has left me with severe XXXX not being able to apply for credit due to companies nor myself not being able to obtain a proper report on any platform despite several written attempts and phone calls on my behalf. I cant even repair my credit due to this unprofessional mishap which has left me feeling down and defeated as I know my rights are being violated by this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report that need to be removed. I didnt authorize inquiries to my credit report from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. I asked that these be removed XXXX ago without a response.
Product: Debt collection

My husband was XXXX  for over 3 months due to XXXX. During this time I fell behind on some debts. I didn't receive notice of the delinquency and don't know what this debt is for. We are struggling on one income since my husband is still requiring XXXX  to function and unable to work. This has caused us a true hardship.
Product: Money transfer, virtual currency, or money service

Between the dates of XX/XX/XXXX and XXXX, I sent roughly {$1800.00} worth of crypto from my account. All of this money in my account had been acquired through biweekly purchases with my debit card that was then put into XXXX. All of my fund were legitimate. After sending the crypto, my account was restricted. And Robinhood asked me to provide my ID and a picture of myself to verify my identity. I complied and was told I would have my restrictions looked at within a few days. It got delayed for weeks before I was told I would be called. On another note, Robinhood said they would call me on business days at regular business hours. But not at any set time. And they would call me on XXXX and even on XXXX XXXX. And whenever I put myself in line for a call, I would wait for hours or even days and never receive a call. I finally got a call through and they asked me questions about my crypto transactions. I told them that I made these transactions myself and they were legitimate. I told them the information they asked me for. I was then told that within a few days they would let me know their decision about my account. My money is being held hostage even after I told them that I made all of the transactions and my funds were from a legitimate debit card. I then sent an e-mail on XX/XX/XXXX and received an automated email that didnt answer or talk about anything I asked for my original email. I need this money out of Robinhood, its been over a month where this company has held my money hostage and provided no real reason to not let me have my money back. I have found countless other individuals who have had this same problem with Robinhood. Robinhood is holding peoples fund and closing accounts and stealing money from regular people. This needs to be fixed.
Product: Credit card

Navy Federal account is currently in negative from me having the funds and they were taking off card and then put back on there and i used the funds thinking the money was available for use.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Loan XXXX XXXX XXXX XXXX. I pay them before time but they are reporting accurate remains balance and last two months also was not reported to credit Bureau. 
i did sent them letter on XX/XX/2021 but they last reported again with 3 credit bureaus with incorrect balance and missing moths of payments
Product: Vehicle loan or lease

I despuied information with credit bureau XXXX/XXXX/XXXX XX/XX/2018 .. 
XXXX  has updated account information and removed from my credit file however XXXX/XXXX WILL NOT UPDATE INFORMATION ON MY FILE .. I HAVE ALSO REACHED OUT TO THE COMPANY ITS SELF AND THEY WILL NOT RELEASE INFORMATION AS IN WHAT THE CAR SOLD FOR AFTER REPO ETC..
Product: Credit card or prepaid card

i called hsbc to get a refund of {$2.00} owed to me, they have now put me on hold, told me they have to review it ( i received this credit owed on my bill ) and every time they call to go over the account???? they have kept me on hold 20 minutes hung up then 25 minutes and hung up. unable to reach a person. i just want to cancel this and write a bad review somewhere, terrible customer service over {$1.00}
Product: Credit reporting or other personal consumer reports

CFPB, I reached out to TransUnion numerous times about a inaccurate address on my consumer report, they have yet to fix it. I've attached a copy of my lease
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I saw late payment remarks on my credit report that I think is not possible, I pay on time.. Unless the bill did not arrived and I did not received it. Please help me remove this late remarks CBNA XX/XX/2019 2019
Product: Money transfer, virtual currency, or money service

My account was frozen on XX/XX/2024 because my bank account was frozen the day before. I've now resolved that issue but now my Gemini account is still locked with a negative balance. I can fix the negative balance almost immediately with access to the account but I'm locked out. 

Today I got an email to deposit money or sell my crypto to fix it or they'll do it on their own with my funds and do it within 5 % of the open market rate. This will create a tax liability depending on which one they use and the email urges me to fix it but I can't, they locked all controls so I can't do a thing except wait and let the 24 hours pass now even tho they requested me to fix it. 

It's basically a catch XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone : ( XXXX ) XXXX Account : XXXX Company : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Phone : ( XXXX ) XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # 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
Product: Credit reporting or other personal consumer reports

In accordance with the **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681c-2 ( Section 605B ) **, on XX/XX/XXXX, I requested both Transunion and XXXX block and remove fraudulent inquiries from my credit report. Under this provision, credit reporting agencies are required to block information resulting from identity theft within four business days. 

**Unauthorized Hard Inquiries : ** The following hard inquiries were not authorized by me and are a result of fraudulent activity : XXXX. XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX. XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX  Inquired on XX/XX/XXXX Additionally, under the **Texas Business and Commerce Code 20.034**, as a resident of Texas, I am entitled to have all fraudulent information resulting from identity theft removed from my credit report. This statute mandates that consumer reporting agencies must reinvestigate disputed information and delete any items found to be inaccurate due to identity theft. 

I provided via certified mail : - Copy of my Government-Issued Photo ID** - Proof of Current Address** ( e.g., utility bill, bank statement ) - Copy of Police Report** ( Identity Theft Report )
Product: Credit reporting or other personal consumer reports

Just recently disputed this account for several inaccuracies as it relates to payment received, the conflicting account status and account information, and requested a 1099 since the debt has been written off by the creditor. However, on XX/XX/year>, the creditor XXXX responded to the complaint and boldly stated that they would continue to report this account onto my credit as both open and charged off. An account can not be charged off and open simultaneously. Per 1026.11 Treatment of credit balances ; account termination, please correct or remove immediately. I am already involved in litigation with the car dealership that sold me this vehicle, the maker of the vehicle and the insurance company for knowingly selling me this vehicle with hidden engine issues. If this is not removed immediately, I will proceed with a lawsuit against XXXX as well for statutory damages as I have disputed these inaccuracies on several occasions with the Credit reporting agencies and have filed a complaint with the CFPB on XX/XX/year>, XX/XX/year>, and XX/XX/year>XXXX  and the inaccuracies remain. This is a direct violation of the FCRA and CFPB regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$6400.00} XXXX  XXXX Balance : {$4300.00} XXXX  XXXX Balance : {$6100.00} XXXX XXXX Balance : {$6100.00}
Product: Credit card

In XXXX 2016, I used a promotional check from Fifth Third CC ( Bank ) to pay for a large purchase with a 12 month 0 % Interest fee in the amount of {$2000.00} with a balance transfer fee of XXXX. We are careful about being sure to pay the amount off before the ending date. The balance of the card was paid off before we used the check. So there was a XXXX balance on the card when we used the check. Each month when the bill comes there is no date for the promotional ending period. 
Today XXXX My husband and I spent almost 2 hours trying to find out the end of the promotion. Fifth Third then told us the promotion ends on XXXX XXXX. All statements are due on the XXXX of the month. We were shorted an extra month. If I had n't spent the time on the phone trying to get the ending promotion date we surely would have been charged a huge interest rate. Their customer service is told us there was no way for them to figure the end of the promotional rate until we went through all our statements. I believe this is a ploy to be sure many consumers will go over their date thereby adding millions of dollars to what amounts to a semi-scam. If there is n't a law to put the ending promotional date on credit card statements - there should be. I had another promotion on a different card that also shorted the promotion date. But because it gave the ending date for the promotion I was able to get it changed to the correct date. 
When speaking to Fifth Third today, I asked for proof of the check and promotion dates. I was told by XXXX ID XXXX that he would provide this. However their customer services ( I spoke with 4 different people ) and three of the four had no idea what a deferred promotional interest rate was.
Product: Credit reporting or other personal consumer reports

Duplicate address shown for XXXX. Please delete Multifamily residence : XXXX XXXX XXXX XXXX NY XXXX ========================================= ***This is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately**XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately*** ***Do not add any fraud alerts to XXXX nor Transunion***
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. 

( XXXX XXXX XXXX Simple # XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX # XXXX ) 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: Credit reporting 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. 
Collection Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX All my other collections was paid off but it still showing negative impact on my report which has violated my rights. 
15 U.S.C. 1681 Sectiun 602 A, states I have the right to privacy. 
15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency canno! furnish an 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 and crimes which antedates the report hv 7 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
Product: Debt collection

Last year, I ran into financial difficulty and was unable to continue to pay my credit card payment to XXXX. I was in the process of consolidating my debt, but the consolidation loan was taking an incredibly long time. I called XXXX numerous times and updated them, but failed to put that information into writing. By late XXXX, 2016, the debt consolidation loan settled and a check for {$33000.00} was issued to XXXX. The last account statement I received from XXXX ( see attached ) did not reflect that {$33000.00} payment. I never received another statement from XXXX. XXXX apparently sent my account to their collections group. I have received numerous " settlement offers '' from the collections group, but have been unable to establish how much I really owe XXXX, despite XXXX letters to them earlier this year ( see attached ) requesting that information. I know I owe them something, but I just do n't know how much. I would like to settle this account once and for all. The collections group says I owe {$2000.00} more than I think I owe them and I do not understand how they came up with this amount.