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

On XX/XX/XXXX I was alerted to a credit inquiry by third party monitoring company called XXXX. 

I called XXXX and the inquiry did not display any additional information other than the Inquiry was being reported by Transunion. The XXXX representative said that it was likely a glitch since there were no details with the inquiry and said to check back in a couple days as it would likely " just go away ''. 

On XX/XX/XXXX I was alerted again, this time by XXXX, that there was an inquiry on my credit via Transunion. This time I created an account with Transunion and immediately froze my credit. I also froze my credit with XXXX. All XXXX bureaus are now frozen and a fraud alert has been placed. 

I then called Transunion ( who were not very helpful ) but was able to determine that a company called " XXXX XXXX XXXX '' pulled a hard credit inquiry against my credit. I am not seeking credit, applied for credit or have done anything that would facilitate a inquiry. 

Now knowing the source of the inquiry, I called XXXX XXXX XXXX in an attempt tp get more details. I was placed on hold indefinitely, hung up on and basically no one could or would try to assist. 

At this point Transunion says I need a report from the FTC which states that this inquiry was indeed fraud, which then starts a process to where the financial institution ( XXXX XXXX ) will be " officially '' notified of the fraud. In the meantime, XXXX is likely processing the credit application and will approve credit for the criminals who started this whole thing. The process is so slow, that the damage is done before you can even get started to ty to stop it. 

I am asking for help here, to stop this in real-time and hopefully stop a criminal from getting a free payday. Transunion says I need a report from the FTC, but didn't/could n't tell me, nor can I find what type of report I need to get from the FTC. After I get a report from the FTC, I then need to send the report to Transunion with an Authorization letter to remove the inquiry from my report? How does this stop the end-criminal, what are the next steps? Very frustrating. 

I would sincerely appreciate any help you can provide with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago an inquiry from Walmart credit showed up on my XXXX credit report. I contacted XXXX  and was advised by a representative outside the US that they could not assist and to call the police. The info seemed inaccurate but speaking to a supervisor did not help. I contacted Walmart and they confirmed they never had a credit inquiry using my social security number or name. They wrote a letter to XXXX advising but it has still not been removed. 

Also a XXXX XXXX inquiry is now listed as of XX/XX/2018. I purchased a car through XXXX XXXX on XX/XX/XXXX but did not use XXXX XXXX so that hard inquiry is inaccurate. Given approaching XXXX previously didn't work and only caused frustration I am approaching you for help to have both inquiries removed. These inquiries are not on my XXXX report.
Product: Credit reporting or other personal consumer reports

I keep asking XXXX, XXXX, Experian to provide proof of why or how they claim the collection agency is accurate. I keep asking for what they used to investigation the collection agency is accurate. No one can provide the information because it does NOT exist. The collection agency is lying and Manipulating the system. The keep sending a copy of the lease. But fail to abide by the XXXX district court judgment
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 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 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

Im a victim of Identity theft and submitted documentation for account XXXX and XXXX along wIth FTC identity theft XXXX and other paperwork reports and nothong was done company XXXX keeps stating account is mine but has failed to verify.
Product: Credit reporting or other personal consumer reports

I have identified some fraudulent problems with my XXXX account. 

Problem # XXXX XXXX XXXX notified me that the account ending in XXXX was replaced by the current new account number XXXX due to fraud. Duplicate reporting of balance error is being made on the credit bureaus end. The balance should only be reported with XXXX not also with ... .account ending in XXXX. 

Problem # XXXX XXXX errors : I should not have " name variations reported. '' I don't know where they are getting this information from. I have tried to dispute this but to no avail, the credit bureaus have ignored me. See attached DL below. 

See attached " XXXX XXXX at XXXX '' Problem # XXXX I am not tied to this business address. Regardless of my dispute request to correct this, I have been ignored. 

See attached " XXXX XXXX at XXXX '' Kind Regards, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

The debt collector in question has been involved in prohibited practices outlined by the FDCPA, which include abusive, deceptive, and unfair actions. They provided information about an account that I never agreed upon or signed any agreement for. A legal contract requires the participation of both parties, but I was not involved whatsoever. 
Furthermore, they failed to adhere to the proper five-step validation procedure, which constitutes unfair practices. As stated by the FDCPA, I am entitled to compensation of {$1000.00} per violation, and it is evident that my rights have been violated by their actions.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc ) due to inadequate customer service and unfair practices, who 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 and unprotected. 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 have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within XXXX business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

In accordance with the Fair credit reporting act XXXX  to lendmark financial services has violated my rights. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A 2 It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666 B A creditor may not treat a payment on a credit account under open end consumer credit plan as late for any purpose
Product: Credit reporting

COLLECTION AGENCY XXXX XXXX XXXX XXXX/XXXXBalance was PIF XX/XX/2013. XXXX XXXX & she confirmed pyt rcvd XX/XX/2013. She corrected & sent me print out showing " XXXX '' bal. She was to have all credit bureaus updated. However, as I look today, the status remains the same. Please verify & update or better yet, remove completely from my credit bureau.
Product: Debt collection

I had two 36 month contracts with XXXX  which ended in 2014. I formally cancelled the contracts in writing however XXXX only cancelled one account. XXXX continued to bill me for services for one of the two contracts after the written cancellation. I notified XXXX multiple times via emails and telephone calls. XXXX was on autopay and collected funds well beyond the contract period and after the cancellation. I asked for a refund of the amounts paid in error which XXXX refused. I stopped payments then XXXX sent the account to Mountain Run Solutions , LLC ( collection agency ) which then reported on my credit reports. I notified the Mountain Run Solutions , LLC that I do not owe this debt. I forwarded copies of the emails to XXXX to prove that I do not owe this debt. Mountain Run Collections refused to remove this from my credit report after receiving proof of cancellation. 

I am purchasing a house and have to pay a higher interest rate as my credit score was negatively impacted by the erroneous credit bureau collections.
Product: Credit card or prepaid card

I believe Upgrade may be engaging in discrimination violating ECOA laws by discouraging the application of credit on the basis of race/color/sex. I hope Im wrong, but I want to ensure this is not a systemic issue that is happening to others. On XX/XX/XXXX XXXX XXXX notified me I was pre-approved for an Upgrade credit card. I followed the application procedures & immediately received an email asking me to upload a voided check or bank statement. 4 minutes later ( before I could respond to the first email ) I received another asking me to upload multiple other documents one of which to take a mobile phone photo of myself. The other was a request for my 4506-T. The email said Id receive an email with instructions on how to complete the 4506-T request, but days went by and I did not receive the email. I did get a reminder email saying they were still waiting for me to upload the 4506-T. I sent an email to XXXX saying I never received the 4506-T email instructions. Another day went by and still no response. So, I sent an email to XXXX and I called the 800 number. The gentleman I spoke with reviewed my documents ( and my photo ) and said hed have someone send me the 4506-T instructions soon. But then he also said I dont know why the system didnt prompt you for this before but we also need your most recent pay stubs. I submitted those right away. The next day I finally received the 4506-T instruction email. I followed the instructions and submitted on XX/XX/XXXX. I heard nothing from Upgrade until XX/XX/XXXX when I received another email requesting me to submit my 4506-T. I replied that all documents requested were sent and show they have been uploaded. It has been 3 weeks now and my pre-approved application still has not been processed. It is now XX/XX/XXXX. I have heard NOTHING from Upgrade. Again, I hope Im wrong, but theres been no explanation on why my pre-approved application suddenly stalled after I submitted my photo. Id like for this to be investigated to see if other persons of XXXX have had the same issue which is being discouraged to apply for credit after our photos are submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reaching out because there are still items on my credit that don't belong to me. This has been holding me back from trying to help my mom with her prescriptions and also help her to get a car. Can you please help me and remove these items from my account 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/DEPTOFED, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. There a.re also some inquiries the.ta.re not mine XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX BANK  XXXX, XXXX XXXX STEOTY/TS, XXXX XXXX XXXX XXXX
Product: Mortgage

This is regarding false advertising, regarding " Bi-Weekly Mortgage '' plans. 

I received a solicitation containing many false claims. ( attached )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I wrote and sent via certified mail a formal dispute letter to the following credit bueraus : XX/XX/XXXX and Transunion in regards to incorrect personal information and incorrect accounts being reported on my credit report which is having a damaging effect on my credit score and overall credit profile. Within this letter, I specifically stated for each of the credit bureaus to provide in detail the full scope of their investigation, including the names of the representatives from each creditor that they " verified '' the inaccurate accounts with, the date of this correspondance, and any legal documentation bearing my signature that I have with the " alleged '' creditor. I've also sent via certified mail an inquiry letter to each credit bureau demanding why my credit scores had such a huge drop within only 60 days. My XX/XX/XXXX score dropped 65 points, XX/XX/XXXX dropped 97 points, and Transunion dropped 78 points since XX/XX/XXXX. There is nothing on my credit reports stating or showing where this significant drop came from. None of the three credit bureaus responded to any of my letters inquiring about this. I could not get through to any of the bureaus on the phone, nor have I received any email correspondance. I am looking to purchase a home within the next 6-8 months and my credit scores were in the high XXXX 'XX/XX/XXXX, low XXXX XX/XX/XXXX before these drastic score drops which occured from XX/XX/XXXX - XX/XX/XXXX.
Product: Mortgage

Hello I did a request to the bank Loan care to removal mortgage insurance from my conventional loan because property has more than 20 % equity and up, so I sent the request XX/XX/2023 because they told me that after XXXX mid I have available to asked it but unfortunately they are not giving me any feedback or specific answer or call or email from that date, why they need to wait more than 1 month to remove a PMI that I dont need to pay anymore because my property has a lot remodeling and is value up to XXXX XXXXXXXX currently. So I owe just XXXX XXXXXXXX in the property and I have more than 20 % equity, so I dont want to keep pay month and monthly this PMI unfairly!! So why they have other friend that requested removed the PMI from them credit and they answered VERY FAST! SO WHY THEY ARE NOT DOING THE NECESSARY TO REMOVAL IT IN FAIR TIME??? So I have today 1 month since I requested it to removal and they are not giving me any answer or call, so???? Why??? I dont have payments delays. 
Please can you help me to see why they are taking long time to do it?? Thank you in advance
Product: Checking or savings account

On XXXX I used the XXXX XXXX Keybank ATM to deposit {$50.00} in cash. The machine accepted the money but did not credit my bank account. As this was occurring, I called the bank and told them what was happening and reminded them that this exact same experience had recently occurred in the past which was poorly resolved back then. I was then told I had to file an XXXXt/dispute to begin the process that would take XXXX days of investigation to complete and that I MAY be credited a provisional credit until the investigation completes. Due to my economic situation whereby XXXX XXXX XXXX prevented federal funds from being disbursed to unemployed individuals such as myself, any and all funds I do deposit are crucial for living and in trying to secure employment. Holding and preventing legitimate funds from being accessible to me such as this occurrence is BEYOND REASONABLE and I classify this as a crime and stealing. The police were called by me as they were during the last occurrence at the same location and were not helpful. In addition, since the initial occurrence, Keybank has not improved how the same employees involved last time horrifically interacted with me. I was asked why I chose to use the ATM and was yelled at by the XXXX for being upset. Other than replacing the ATM which did not seem to prevent this issue from reoccurring, Keybank has failed to provide the FDIC services it claims to provide. Keybank has failed to maintain my privacy, has restrained me from accessing my cash funds that should be immediately available to me, increased my stress level, wasted my valuable time, continues to destroy relationship building within the community with how it has interacted with me, as well as prevented me from having the funds available to send required documentation for an application for a job.
Product: Credit reporting

I sent three ( 3 ) similar letters to all three credit bureaus, Experian, XXXX and XXXX. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. On my letters it list the accounts. However, I the only thing I have received back was a letter stating verified which is unacceptable. Despite three written request, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. ''
Product: Mortgage

My mortgage experience with XXXX XXXX at Wells Fargo Home Mortgage has been ridiculous. I met with her XX/XX/XXXX to get pre-approved for a mortgage. I provided income verification, banking info and she pulled my credit. She said I was pre-approved and I went house hunting. I made an offer on XX/XX/XXXX on a condo. Due to negotiations and the seller not having email, the final contract date was XX/XX/XXXX. I told her verbally during that time that I was going under contract for a condo and what the sales price was. She received the contract from my agent on XX/XX/XXXX with a contract closing date of XX/XX/XXXX. The appraisal was done on XX/XX/XXXX. I provided all documents requested in a timely manner. My company provided all requested info in a timely manner. There was no mention of not ever making my closing date. The date approached and I was told that it was in the condo dept waiting on approval. Daily, I was told, maybe we would get something today. That was all a lie. On XX/XX/XXXX, I was forwarded an email from my agent that she received from the condo association. The association said that Wells Fargo should have everything they needed from them and that they had sent the required condo questionnaire fee via regular mail instead of overnighting it. Giving 3 days mail time and 2 days for the association to process the questionnaire, that means that WF did n't even order the questionnaire until right at my closing date. So, what was the condo dept reviewing for several days if they did n't have the info to review? Stall tactic and lie. It is now XX/XX/XXXX and we still do n't have a confirmed closing date. Wells Fargo, XXXX XXXX and her processor, XXXX, dropped the ball. They have cost me time, money and frustration. She knew that I travelled extensively. I was supposed to close on XX/XX/XXXX and travel to XXXX XXXX ( condo location 6 hours away ) on XX/XX/XXXX to prepare the condo for moving in. My girlfriend and I both took time off work to go down there. We offered to drive down there on several occasions for a closing to save them the time of mailing the closing package to the WF office where I was originally closing. XXXX asked me my drop dead date for closing. I told her Wed. XX/XX/XXXX because I was leaving to go out of town for work on XX/XX/XXXX for 3 weeks. I do n't know why she even asked. She knew she could n't close the loan during that time frame. I have felt " held hostage '' by the mortgage company with this daily back and forth with promises of approval today. I would have switched mortgage companies if I had known then what I know now, but I did n't want to start over and take more time when I thought I was so close to being done. Now the seller is threatening me that if I do n't close Tuesday XX/XX/XXXX that he will charge me {$1000.00} to extend the contract. My girfriend was in the mortgage business for 15+ years and says this is the worst transaction she has ever seen. She is the one who said that I should file this complaint.
Product: Payday loan, title loan, or personal loan

My sister died of XXXX XXXX fell on hardship paid the company back was only two months behind they used collection tactual adding high fees and put in court as I found out from a phone call only after they had already taken my money to catch up on the debt. Then I was told by XXXX that besides those payments should never have been accepted and they want the entire monies and court will continue. Her name is XXXX phone number is XXXX ext XXXX She also inform me that nothing would stop even after I had gotten the payment caught up. She continue to enforce courts by saying the represented that took my payment over XXXX had told me I could continue my normal payments no one ever told me I was getting sued instead they took my money and said payments could continue XXXX XXXX said they was wrong and should never have taken my money and applied it. The unexpected cost of keeping my sister child and taking over her expenses made me behind I caught back up company took payment, then I was told by the rep that they was wrong for taking payment and they will continue harsh collections on the balance. She has cost me my job.
Product: Credit card or prepaid card

my current unemployment benefits are being held up by US Bank due to a address change. I have verified my Identility but account still locked