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

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). On 07/09/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. Today on 07/09/2021, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now :
Product: Checking or savings account

In mid-XX/XX/XXXX, I opened a XXXX  Checking account with HSBC with an initial deposit of {$1500.00}. Two months later, I received the letter I've attached dated XX/XX/XXXX. They used vaguely threatening language to convey to me the notion that if I didn't provide them with unspecified additional information, my account might be closed. They provided a toll-free number to call.

On numerous occasions since then, I have tried without success to reach them. There have been hold times up to 30 minutes without an answer ; their system offered to let me leave a call-back number but I was disconnected ( twice ) upon selecting that option ; twice, I selected that option and was told the mailbox was full ; and twice I was able to leave a message including my call-back number, but I've heard nothing. I've tried other HSBC customer service numbers, but I was told I needed to call the specific number on the letter. I've tried their Chat feature on their website but was told I needed to call the specific number on the letter.

In short, I have gone to extraordinary lengths to try to comply with their request, but I've been thwarted at every step. I'm through trying. I'm seeking your help in punching through their barrier to contact them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im contacting Equifax after your response to my recent complaint through CFPB. The complaint number submitted was XXXX. Equifax did not provide/address the complaint. Per FCRA, your company already has missed the 15 day window to provide how you investigated the account you are reporting as XXXX XXXX and it should be permanently removed. There isnt any further investigation as you already stated you are not reporting it via mail. Completely remove the account or I will have to take your company to court as Ive made several attempts to have it removed. 
Thank you,
Product: Vehicle loan or lease

We had a XXXX XXXXXXXX XXXX leased and it was wrecked and was a total loss on XX/XX/2022. 

Our insurance company paid off the lease XX/XX/XXXX, this year. Due to our large down payment and the value of the car we had approximately {$7000.00} of equity in the car. Payment made was {$35000.00} and the payoff was approximately {$29000.00}. The difference is due to myself and my wife. 

Toyota Financial Services won't even confirm payment has been made, have not " processed '' the check, and have lied to me as I get a different story every time I call them. At this time they refuse to give us our refund due, or even a date when we can expect it. Their response is they are " very sorry for the inconvenience '' and they won't even transfer me to a supervisor. 

I am currently XXXX due to a XXXX XXXX and those funds would really help us. We had to payout {$4200.00} to lease another vehicle with them and we really counted on the equity. PLEASE HELP US! 

XXXX & XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a second compliant with Wells Fargo for failing to remove the information being reported on my consumer report, after filing an FTC report sending in several police reports to no avail Wells Fargo has yet to show that they accounts being report are vaild, how can one person open 11 different accounts. Wells Fargo has been in countless class action lawsuits for opening fraudulent accounts under consumers information. I have been a victim of my personal information being stolen and compromised due to the theft, and I have been suffering from this and how it is affecting my life since XX/XX/XXXX. Furthermore Wells Fargo and XXXX XXXX XXXX XXXX  has broken the law based on 26 US CODE 7213 UNAUTHORIZED DISCLOSURE OF INFORMATION, And 18 US Code 1028A Aggravated identity Theft, Report inaccurate information, false information and information without my consent. They have failed to validate these accounts with any " orginal signatures '' or documentation. I keep getting responses that the information is being updated as accurate. But How?
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts that are incorrect are reporting 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
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I received this text asking if I attempted a {$3500.00} scheduled XXXX payment. I replied " No ''. They called my phone immediately afterwards. The caller id said " US Bank ''. 
I answered, he says he's going to help me protect my money. So while impersonating a US Bank employee, he tricked me into " moving my money '' to my new XXXX account with my name as a contact. Long story short, I was scammed for {$3500.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ( So XXXX not rich by a long shot ). So I really feel foolish for trusting my " bank '' to protect my savings, and I lost it all. I even filed a police report. I have that to US Bank as well. They did an investigation, only to deny my claim. I was just introduced to Regulation E. But it's confusing to me how to go about it. Please help me refund my money.
Product: Debt collection

I am filing this complaint regarding the inaccurate items on my credit report that continue to negatively impact my credit. Despite my efforts to resolve these directly, they remain unresolved, I request immediate investigation and removal of all negative items, as they are incorrect and do not reflect my true credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit karma falsely advertised offers saying that i would be approved for sure credit which was denied.
Product: Credit reporting or other personal consumer reports

I have made a dispute about items that wasnt mines on my report and I also reported things on my report that I paid full that should've been on there and they never fixed the problem. I keep disputed these items and they still haven't took them off or did anything about it
Product: Mortgage

I received XXXX consecutive 30-Day Lates with Nation Star Mortgage when I paid my mortgage on-time. Nationstar did not notify me that they placed an Escrow account on my mortgage which increased my mortgage about another {$250.00} in which I was unaware. As I paid my normal mortgage amount on time each month, Nationstar took my payments, put them in a holding account, deemed me as unpaid and issued me XXXX 30 day lates and they refuse to remove them. Attached is my proof of payment of both mortgage and property taxes. I need help getting them to deal fairly with me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable, unprotected and potentially being closed.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$2600.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXXXXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX  XXXX
Product: Mortgage

I continue to keep getting the run around on when they state they can remove the mortgage insurance on my mortgage. At first they said after 5 years and then they changed it to state that the loan to value ratio had to be a certain amount but I know my LTV is well within the parameters. I continue to get phone calls from them disguised like they have decided to now remove it and just need to speak to me to get some things worked out when it then turns into a marketing scam to get me take out a line of credit or borrow on all of the equity I have in it. I get them so often now and they are so sneaky when telling me what they want that I have become to doubt them and think that I may really be able to have that mortgage insurance taken off now. I want to know exactly what the rules are regarding the mortgage insurance and what my options are.
Product: Mortgage

I have three mortgages with Mr. Cooper / Nationstar. When I make my payments I mail a payment coupon and a corresponding check with the account number clearly written in the memo section of my check. I submit all three checks in the same envelope. Because Mr. Cooper / Nationstar Mortgage has such poor accounting practices they misapplied one of my mortgage payments. They credited one account twice and neglected to apply a payment to one of my other accounts. Now they are saying I am in default and have blemished my credit with multiple 30 day late payment reportings. 

I contacted Mr. Cooper / Nationstar Mortgage and the service representative told me I needed to submit my payments in separate envelopes in the future and there was nothing they could do about my past payments and demanded I make additional payments to bring the account current or they were going to foreclose on me. Then hung up on me.
Product: Credit card

I have been dealing with this since XXXX  there are several credit cards accounts on my credit profile that I have no knowledge about
Product: Credit reporting or other personal consumer reports

XX/XX/2020 I was sent confidential mail from Equifax XXXX XXXX. I received a letter stating I were affected by the Equifax XXXX XXXX and all of my information was stolen lost or sold. I have tried over an over multiple times trying to fix this issue. The Equifax company has affected the way of living. I have been denied XXXX consecutive times trying to find a home. Due to the impact pertaining the Equifax XXXX XXXX, my information on my credit file has never reached a score in the lows of XXXX. My credit score has always been XXXX no lower than XXXX. Equifax did nothing after notifying me about the breach. I have not been able to get any of my information correct I have been a victim of fraud an identity theft. Equifax played a major role in this situation. After the breach my credit file still has not been updated none of the items that dont supposed to be there are still in fact there. I have told Equifax over an over again. I cant get anything in my name due to the Equifax XXXX XXXX. XXXX getting denial because of my credit score and report
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a report from XXXX XXXX XXXX stating a checking account was opened in my name on XX/XX/2017 at XXXX XXXXXXXX XXXX XXXXXXXX account number XXXX. Someone opened this account in my name, the account was open for one month before being closed by the bank for a fraudulent fund transfers and also listed the account was paid out to an address which is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX HAVE REPORTED ME FOR AN ACCOUNT THAT I DID NOT OPEN AND IT'S CAUSING ME A HARDSHIP. XXXX XXXX   CONSUMER ID NUMBER XXXX
Product: Money transfer, virtual currency, or money service

I no longer accept the terms of agreement governing the account under PayPal account with the username XXXX. <P/>This is a individual tax payer, single beneficial owner account that was inadvertently upgraded to business account. On multiple, documented, occasions I have requested a downgrade to a simple XXXX personal transaction processing account. <P/>Subsequently, this business account has been limited. I am no longer able to : send money withdraw money from my account close my account remove a card remove a bank account I have sent communications in regards to this issue with no reply. In addition, I have spent several hours on the phone explaining the issue multiple times with multiple customer support representatives. <P/>I spoke directly with XXXX XXXX, manager in customer support and fraud, on XX/XX/XXXX. I explained this lingering issue once more and that it had been ongoing for more than a month. <P/>On XX/XX/XXXX, I contacted customer support again and spoke with XXXX ( Emp. ID # XXXX ).  He indicated that XXXX did open a ticket - # XXXX but there has been no resolution from compliance. <P/>During the phone calls with customer support, I advised that I would allow an additional 24 hours before contacting the ( Audit, Risk, Compliance ) ARC committee of the board, and filing a complaint with the Consumer Financial Protection Bureau. <P/>Unfortunately, this letter is the documentation and confirmation that the status on my account has not changed. <P/>In additional to this communication, I am not opposed to taking additional steps to bring this issue to the attention of the media, my congressional representation, the California State Attorney General, the Illinois State Attorney General, the Federal Reserve Board ( FRB ),  and the Securities and Exchanges Commission ( SEC ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To avoid any unnecessary delay tactics from Transunion, such as stating this complaint is not coming directly from me the consumer. I have attached my I.D below to prove this is a direct consumer complaint. If Transunion believes this complaint isn't coming directly from me the consumer, they must provide proof with documentation to validate this claim. There are several inaccurate and unverifiable accounts Transunion is reporting on my consumer report in violation of the FCRA. I have mailed several dispute letters directly to them. This includes a dispute letter from over 60 days ago and a demand to comply letter, both of which received NO response. Additionally, I have attached these two letters below which outline all the false negative accounts and relevant correspondence dates. All letters were sent using USPS certified mail giving me proof they were delivered on time. These false accounts currently reporting on my Transunion credit report are deeply frustrating and is a violation of the FCRA. According to the law all false and/or unverifiable data must be deleted. I implore the CFPB to help hold Transunion accountable and not let them delay solving the real issue here.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is currently reporting two missed payments on my account. I was never late, Ive reached out to them on multiple occasions to have this resolved. Spoke with two agents and they both was promising to have them removed.
Product: Checking or savings account

On XX/XX/XXXX at XXXX I requested {$10000.00} to be transferred from my Capital One 360 Money Market Account to my brokerage account at XXXX XXXX . The funds were transferred and settled at XXXX XXXX on XX/XX/XXXX. 

Today ( XX/XX/XXXX ), Capital One reversed that transfer. When I contacted their customer service, they can not tell me why the transfer was reversed. Their only solution was that I should wait three to five business days for the funds to post at Capital One and then they can tell me why the transfer was reversed. I asked to speak to a supervisor when I said that was not a satisfactory answer and received the same answer from the supervisor ( XXXX ). 

I then requested how I could contact XXXX to follow-up on the issue so I would not have to spend another 30 minutes on the phone regarding this error on their part and he said he does not have any direct contact ability ( no phone extension or e-mail ) so I would just have to call back once the funds settled back at Capital One and start the process over. 

I asked to speak to someone higher up as this did not seem like a satisfactory explanation and XXXX said there was no one above him to speak with. 

I called XXXX to see if they could stop the transfer and they said the funds had already been transferred to Capital One so there is nothing they could do. They said typically there is a note left to explain why a transfer was reversed and in this case the entire note was just " reversed ''. They also were confused why Capital One needed to wait three to five business days because the funds are already at their institution.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 card or prepaid card

They are not releasing my money. I attempted a purchase on Friday XX/XX/XXXX at XXXX XXXX  in the amount of {$2500.00} but the merchant was unable to process the transaction and I immediately received a screen that said " your transaction could not be completed ''. The money is gone from my Albert account. The screen says it could pend for XXXX to XXXX days. It's been XXXX days total and XXXX full business days and I still don't have my funds back. Albert initially told me the hold would release in XXXX and now they're saying XXXX. They refuse to give me a statement on their letterhead to give to the merchant and they refuse to release the funds. The merchant has given me proof that the transaction didn't even begin processing on their end. I submitted the merchant proof to Albert and they STILL will not release my money. THEY ARE THEIVES. 
THERE IS NO NUMBER TO EVEN CONTACT THEM ON! I keep waiting for texts from them.
Product: Mortgage

XXXX XXXX from Shellpoint Mortgage Servicing, keeps saying that I havent made my payment. Ive made all my payment on time. 
On XX/XX/XXXX, XXXX payment was given to XXXX XXXX XXXX XX/XX/XXXX - payment was given to XXXX XXXX XXXX XX/XX/XXXX - payment was given to Shellpoint *On XX/XX/XXXX - payment was given to Shellpoint Current mortgage company Shellpoint says that I am missing a payment even after Ive sent them all my bank statements showing this payments were made on time.
Product: Mortgage

Wells Fargo and my wife and sign a 15 year fixed 4.75 apr in XX/XX/XXXX, for 9 years We have made all payments on time and xtra principal payments to Wells Fargo, In XX/XX/XXXX they are staying that WE REFINANCE THIS LOAN!!! WE NEVER EVER DID!!! IT MAKES NO SENSE, WHEN WE WERE MAKING ALL OF OUR ORIGINAL LOAN PAYMENTS ON TIME, PLUS XTRA PRINCIPAL TOWARDS THE ORIGINAL LOAN, WE WOULD NEVER COME OF OUR 4.75 apr LOAN!! ... ... WE HAVE REQUESTED FROM WELLS-FARGO MY PAYMENTS HISTORY, AND HAVE YET TO RECEIVE IT. THEY ARE STARTING A INVESTIGATION ON THIS, BUT HAVE NO ANSWER TO HOW THIS HAPPENED. IF THEY WOULD HAVE APLIEAD THE XTRA PRINCIPAL PAYMENTS AS THEY CAME IN OVER THE FIRST 9 YEARS, IT WOULD HAVE CUT MY ORIGINAL LOAN TERM DOWN TO 12 YEARS!! But they are staying that a refinance on this loan was done in XX/XX/XXXX, for XXXX for 15 years, to XXXX at 3.65 apr. then applied the extra principal payments to this LOAN THAT. WAS FRAUD AND FAKE, TO MAKE THE LOAN TERM TO XXXX!!! THIS MAKES NO SENSE!!! AND THE TERMS OF THE ORIGINAL LOAN WOULD BE FINALIZED THIS YEAR, XX/XX/XXXX. I RELIZEAD THAT FOR 6 YEARS WE PAID A LITTLE LESS FROM OUR ORIGINAL LOAN, AND DID NOT CATCH THE MISTAKE OF THE LOWER PAYMENT, BUT WE SHOULD I FILLED THE ORIGINAL LOAN IF THE FAKE FRAUD WAS NOT PLACED ON OUR ORIGINAL MORTGAGE.
Product: Credit reporting

I have contacted Transunion , LLC about removing an inaccurate chapter XXXX bankruptcy being reported on my credit file. I have requested validation of this chapter XXXX bankruptcy by the court and my original signature on this chapter XXXX bankruptcy. Transunion has not provided me any requested documentation. I have a signed letter from United States Bankruptcy court stating that the court does not verify records with the credit reporting agencies. Transunion is using a third party to report this inaccurate information. I 'm requesting the immediate deletion of this in accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this a few weeks ago due to identity theft and it was removed. Now it is back on my file. I want this account removed IMMEDIATELY! 
Account to be removed : XXXX XXXX XXXX