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

Upon reviewing my Consumer credit report, I noticed that your agency has violated multiple regulations, entitling me to monetary compensation under FCRA 15 U.S. Code 1681s2 and 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Specifically, your agency furnished reports in connection with credit or insurance transactions that I did not initiate ( inquiries ).

According to the law, a consumer reporting agency may only provide a consumer report for credit or insurance transactions not initiated by the consumer if : ( A ) The consumer authorizes the agency to provide the report, or ( B ) ( i ) The transaction involves a firm offer of credit or insurance.

Furthermore, except as provided in section 1681g ( a ) ( 5 ), a consumer reporting agency can not furnish records of inquiries related to such transactions that the consumer did not initiate.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ), if a person obtains a consumer report under false pretenses or knowingly without a permissible purpose, they are liable for actual damages suffered by the consumer or {$1000.00}, whichever is greater. Additionally, punitive damages may be awarded by the court.

( NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. )
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, the XXXX quoted the credit report score at XXXX, this, with two collections and a ( n ) written off/charge off indicated on the credit report. The Transunion is indicating a ( XXXX ) XXXX with no collections and no charge-off/written off. I'd like the XXXX, XXXX and Transunion notified to uplift the score given the current status of the erasures and deletions. XXXX, I'd like a score legible for the credit cards ', etc.. 
Thank You! XXXX XXXX XXXX XXXX XXXX XXXX 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reinserted an XXXX # XXXX account that was Deleted and XXXX XXXX acknowledge the account was Deleted as that information is listed other compliant. 

They have never provided Assignment of Debt, Method of Verification, and Validation of debt. I never received any mail about this debt and just because they stated they sent mail does not support their statement, please provide CERTIFIED MAIL RECEIPT showing I received mail, or delete off my account. 

I have a right to dispute an account before it's placed on my credit report.
Product: Mortgage

To Specialized Loan Servicing / XXXX XXXX XXXX XXXX XXXX, Please verify that there are no other existing versions of the alleged note other than the two you have supplied to us. We desire that there be no more surprises of differing notes.suddenly appearing. If you are holding other copies that are different in any way, shape or form from these two copies claimed to be the copies of original note please send these to us now..We hope for your cooperation in this matter.
Product: Mortgage

In XXXX of XXXX my mortgage company add an escrow account to my mortgage. I made XXXX large payments, in XX/XX/XXXX and XX/XX/XXXX for a total {$14000.00} stating that they should be applied to the escrow account and thinking that would cover it for the remainder of the year. In XXXX of XXXX I was informed that my loan was in default in spite of the fact that I had not missed a payment. My payment is approximately {$1600.00} per month. 

No one I have spoken to will acknowledge the payments I have made. 

In addition, after I had paid my property taxes in XXXX of XXXX they sent a duplicate payment in XXXX. XXXX XXXX noted the double payment and issued a refund on XX/XX/XXXX, but the check was lost by the Morgage company. The county has now issued a second refund check on XX/XX/XXXX but it has not been noted in my account. 

Currently the company claims I am {$32000.00} behind. They have served me with a notice of foreclosure. 
Since XXXX of XXXX I have made ; XXXX payments of {$1700.00} ( total {$32000.00} ), XXXX advanced escrow payments total of {$14000.00}, and a property tax payment of {$6700.00}. All together totaling {$54000.00}, yet they still claim I am deficient. 

I have attached an account statement from my bank showing payments being made greater than the required payment each month on time since the company took over my account.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. The following accounts are the result of identity theft and should be blocked, 1 ) The following fraudulent account must be removed from my credit report. Account Name : XXXX XXXX  Account Number : XXXX Fraudulent balance : {$8500.00} This account is not mine. 2 ) The following fraudulent account must be removed from my credit report. Account Name : XXXX XXXX  Account Number : XXXX Fraudulent balance : $ {$1200.00} This account is not mine. XXXX ) The following fraudulent account must be removed from my credit report. Account Name : XXXX XXXX Account Number : XXXX Fraudulent balance : {$10000.00} This account is not mine. 4 ) The following fraudulent account must be removed from my credit report. Account Name : XXXX  XXXX Account Number : XXXX Fraudulent balance : {$13000.00} This account is not mine. XXXX ) The following fraudulent account must be removed from my credit report. Account Name : XXXX XXXX  XXXX  Account Number : XXXX Fraudulent balance : {$20000.00} This account is not mine. 6 ) The following fraudulent account must be removed from my credit report. Account Name : XXXX XXXX  XXXX  Account Number : XXXX This account is not mine. Fraudulent balance : {$10000.00} 7 ) The following fraudulent account must be removed from my credit report. Account Name : XXXX XXXX  XXXX  Account Number : XXXX Fraudulent balance : {$24000.00} This account is not mine The following accounts are the result of identity theft and were opened without my authorization. I do not understand how this accounts can be associated with my name and social security, this account does not belong to me, I have never authorized the opening of this account, I have not authorized third parties to make transactions in my name. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Please remove this inaccurate and fraudulent accounts from my credit report as required by the Fair Credit Reporting Act. I do not consent to any e-oscar, or any other means of automated verification.
Product: Checking or savings account

A {$1200.00} deposit was made into my checking account on XX/XX/2019. The same {$1200.00} deposit that has been made on the XXXX of the month every month for a year now. The day is was deposited, I saw {$400.00} was made available immediately. When I checked the account online the next day, however, the entire deposit was put on hold. The {$400.00} made available disappeared and no reason was given for the hold nor any time frame. This morning when I checked online, XX/XX/2019, XXXX days later now, an entry appeared that the hold was until XX/XX/2019. This entry was not there on the XXXX nor on the XXXX. 

We consumers are tired of Wells Fargo playing their games to the detriment of consumers. 

I've had this account and others at Wells Fargo since they bought XXXX and do not deserve to be treated with such disdain and disrespect and below the board behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is repeatedly marking this account as collections on my credit report. 3 times already in the month of XXXX. Dates of XX/XX/22, XX/XX/22 and today XX/XX/22. Isnt this a violation of reporting actions. Id like them to stop attacking my credit.
Product: Mortgage

Harrassed for payments during deferral, sent misleading statements, no acknowledgement f market conditions.
Product: Credit reporting or other personal consumer reports

The creditors failed to send my anything at all. The bureau sent me a letter stating that the debt was verified and will stay on my credit. They did not issue me any further information in regard to this erroneous account.
Product: Prepaid card

This dispute relates to two XXXX XXXX accounts held by me and two accounts held by my husband. On XX/XX/year> I was unable to load funds to these cards and an email was sent to me and my wife that the cards were temporarily locked. We were also unable to log into those accounts. I called XXXX  on XX/XX/year> and was told these accounts were permanently closed due to a returned charge ( I believe from a XXXX load of funds ). XXXX  customer service refused to provide any details -- such as the nature of the returned charge or the balances in the accounts. I was informed that the only way I could contact them to receive any information was by mail. I sent a letter on XX/XX/year> requesting final statements on these accounts as well as funds from each account, which should be {$1000.00} per account. As of this date, XX/XX/year>, I have received no communications. Accordingly, I again called the XXXX  customer care number and was told to resubmit a request for this information by mail. I was refused, on multiple occasions, any direct telephone number to contact the company directly about the funds being held. I note as well that XXXX XXXX refusal to provide me with access to my account records has prevented me from seeking a chargeback or other resolution ( such as complaint with the Texas Department of Banking ) from XXXX who created the falsely disputed charges in the first place.
Product: Mortgage

On XX/XX/2017 i was asked to repair a water service hooked up on XXXX XXXXXXXX companys utility in XXXX XXXX alaska amd the residence address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX owner by XXXX and XXXX XXXX it was emergency services as I do all XXXX XXXX repairs and in the terriff amd application the XXXX   signed when they signed up for water service it stated that XXXX XXXX ownes its main lines only and the homeowner is responsible for maintence and any and all costs to keeping it in repair and working correctly keeping in mind its 3 days before XXXX and -30 degrees or colder so Mrs XXXX asked me to repair the service for them and I did they filed a insurance claim with XXXX and they pd the bill in full. 
Guild morguage company is who the loan is thru and is the worst company ever they refuse to release the fund Im owed keep giving me the run around they pd one of three payments they pd XXXX dollars in a check made to me and still owe 22+k dollars to me at first it was we have to get an inspection. Now over a yr later they wont even return or call me back the last time I herd from them they said the complaint department would be handeling this to see if any money is owed to me, how can a mortgage company decide if what the insurance company being XXXX pd in full is owed to me or not it has nothing to do with them the homeowner wasnt behind on any Payments so why a yr later are they not paying me the last two payments Im about to loose our house and my XXXX yr old grandfsther is about to be out in the cold over 22k dollars my name is XXXX XXXX my number isXXXX and my email is XXXX please contact me any time thank you
Product: Credit card

I had and account that the company closed. When I reached out to figure out why and resolve the issue they told me it was due to two payments being sent back due to insufficient funds. I provided proof of where the payment came out of my account with no insufficient funds fees. I was told this information was verified but the account was still unable to be reopened because once it was closed it was closed.
Product: Prepaid card

On XXXX XXXX XXXX  I bought a Vanilla Visa prepaid card, serviced by InComm Inc XXXX XXXX XXXX XXXX, GA XXXX, from a local grocery store, .amounting to {$500.00}. Per XXXX all the funds were drained on XXXX XXXX XXXX fraudulently without my permission. On XXXX XXXX XXXX I raised a dispute claim with InComm. On XXXX XXXX XXXX  via email I provided Incomm with a copy of the front of the prepaid card and a copy of the purchase receipt. 
Incomm has not resolved my case yet. I called them XXXX times about the despute. Their reps told me to wait and in some instances just hung up on me.
Product: Credit reporting or other personal consumer reports

For several years to-date, XXXX and XXXX are committing some criminal activity on my Credit Reports XXXX XXXX effort to suppress my XXXX  account and my Credit Scores, Ive never Reported a balance on this account since I received this pitiful little Secured XXXX Card, I mean really! This month XXXX Reported a {$260.00} balance due on this account, again Ive never once had a balance on this XXXX XXXX card account. To Counter this threat by XXXX XXXX XXXX, at my beautiful creative XXXX years and at the mere age of XXXX, I keep forgetting that XXXX a XXXXXXXX XXXX and Ive got to use other Resources besides the CFPB, Consumer Financial Protection Bureau, because of this personal threat by XXXX XXXX XXXX, For this Cause, Ive Reached out to the U. SXXXX XXXX XXXX XXXX Elder Fraud & Abuse, their XXXX XXXX XXXX XXXX at XXXX to investigate this threat to both myself and other XXXX XXXX across the country to investigate this Real threat to the XXXX XXXX XXXX XXXX to-date. Please help with this investigation and threat with this blatant disregard & criminal activity by XXXX XXXX XXXX with False Accuracy of Reporting under the Fair Credit Reporting Act, FTC. Federal Trade Commission, 15 U.S.C. section 1681 & 1682. Im going to bring attention to every Federal agency available, see because if these REPORTING AGENCIES are threatening me like this with the wealth of knowledge Ive got, these criminals are certainly Dumbbells if you ask me, Real Dumbbells!
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXXXX/XX/XXXXXX/XX/XXXX XXXX INQUIRY : XX/XX/XXXX XX/XX/scrub>/24 XXXX XX/XX/scrub>/24 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

On Wednesday, XXXX/XXXX/XXXX, I sent documents to support my request to delay foreclosure on my home due to a contract that I have with a buyer. In a letter attached to the request, It was explained that I had a first buyer whose toward the end of the process, to no faught of my own, was denied funding ( after more than a month ). She was highly Prequalifed in XX/XX/XXXX. Pre qualification and denial letters were attached. All the documentation regarding this signed signed was faxed to Wells Fargo Home Mortage XX/XX/XXXX. On XXXX/XXXX/XXXX, I followed up with the company. I was informed that the request was denied because I had one previous request approved due to this being the same or similar request. I protested because was not the same buyer, and that the buyer wants to close on XX/XX/XXXX. I requested atleast one more month to close. The agent only reiterated that it was denied. Thus, I asked speak with a supervisor. I then spoke with Team Lead, XXXX XXXX XXXX. He was very helpful and spoke with the Postponement Department After speaking with them, he said they requested another letter from the buyer 's lender stating final approval. This sounded logical, but I believe they were practicing delay tactics. On Friday, XXXX/XXXX/XXXX, I spoke with XXXX XXXX again after faxing the final approval letter. I followed up with him about an 1 1/2 hours to see if he received the letter. He informed me that had sent it to the Postponement Department. He said it would be an hour or so. But, he never followed up with me. So, I called back to speak with him about XXXX XXXX on XXXX/XXXX/XXXX. I was told he had finished his shift. Thus, I called back to speak with him about XXXX XXXX on Monday, XXXX/XXXX/XXXX. I was again told that he would be about XXXX XXXX XXXX XXXX of California time. The agent handling the call was rude and was very unhelpful. Therefore, I asked to speak with a supervisor who told me she had reached out to XXXX XXXX. She said he told her he was coming in about 15 Minuets. I asked that she inform him to call me. After waiting about 30 minuets, I called to speak with XXXX XXXX. After waiting on hold for several mins. After filing two other complaints, I 've Noted similar delay tactics that I 've experienced with the company before. After being injured on the job on XX/XX/XXXX and losing my job soon after, I was unable to keep up with my mortgage payments. The company failed to fully work with me soon after. Finally, I currently have a contract to sell my home on traditional sell with a XXXX/XXXX/XXXX closing date. As an elderly homeowner at 60 I believe that these tactics ( asking for other documents, people not being available, calls not returned, the Postponement Department refusal to look for my files, etc ) are abusive. I had to hire an Attorney and pay {$2500.00} to stop foreclosure. I only request a 30 day delay. I should 've had to pay anyone when I did n't have extra money to do so. This company is very customer unfriendly to its clients and seems uncaring.
Product: Mortgage

I, along with my former spouse, originated a home loan in XX/XX/XXXX with a maturity date of XX/XX/XXXX. Upon our divorce in XX/XX/XXXX, I was advised that the loan had been refinanced to remove me from the loan and subsequently signed a quit claim deed to relinquish my ownership rights. In reviewing my credit reports, I have since determined that the mortgage obligation still remains under my name. In communicating with PHH Mortgage, it has been determined that the loan has been modified twice and the terms of the original agreement I signed in XX/XX/XXXX have been changed without my knowledge or consent. The loan maturity date is now slated for XX/XX/XXXX, 17 years beyond the terms I originally agreed to and signed for. PHH was fully aware of the fact that I no longer owned the home ( as they have the quit claim deed on file ) and that the marriage had dissolved as of XX/XX/XXXX, yet they knowingly processed changes to the loan terms without question or concern and did so without ever contacting me or obtaining my signature to agree to the changes. I have called PHH repeatedly to have this resolved and have my name removed from the loan, to no avail. I have even been advised by a PHH representative that they can not provide me with further details regarding the loan activity because I do n't own the home.
Product: Credit card

I have account with synchrony bank accounts go down but one care credit at present it is up to over XXXX with all the fees they add I have not used this for his long and it should not be this high I talked to them today an XXXX and they will NoT work with me. Unless they do I can not afford to pay this card since they keep adding fees and the card amount is going up. Why pay on it I am getting no where
Product: Checking or savings account

My family has 3 accounts with chase bank. Today I find out they had put a restriction on all 3 accounts and closed them and I was not notified and when I found out no one can provide me with any answers and I talked with multiple people and even went to a branch. The last person informed me that our funds which total approx {$1500.00} would not be available until after XX/XX/XXXX. Not sure what else I can do
Product: Credit reporting or other personal consumer reports

Your agency is in violation! 
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. 
Delete this at once!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX