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

I contacted Transunion regarding unauthorized hard inquires on my credit report from XXXX XXXX  ( XXXX XXXX XXXX ) and XXXX XXXX ( XX/XX/XXXX ). I also filed a FTC report because I am a victim of identity theft. 

According 15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code, A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines thatExcept as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; Its been 2 weeks since I contacted Transunion and was told hard inquires would be removed and the inquires are still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize XXXX to check my credit I did not apply for s mortgage loan and they need to remove credit inquiries off my credit report with XXXX  and XXXX and XXXX attachment is my police report for fraud
Product: Credit card

XXXX   IS BLOCKING ALL CREDIT FURNISHERS FROM REPORTING ON MY   XXXX   CREDIT REPORTS.    BARKLEY NE EDS TO CONTACT   XXXX    REPRESENTATIVE TO FURNISH WRITTEN EXPLAINATION FOR THIS DODD-FRANK ACT.
Product: Credit card or prepaid card

I 've had this credit card for 10 years. I 'm the poster child of the housing meltdown and the financial crisis and the recession. I spent over {$60000.00} trying to save my retirement condo in  XXXX - XXXX  and still was fraudulently foreclosed on. If Ba nk of America wou ld have left my on-line account access open, they would have had their money. They closed my account on-line even though I was paying every month. I want my account closed now. I did n't before. But, close my account with all of the obscene fees and charges expunged. Please look into this. My money runs out at the end of summer and so do I.
Product: Credit card or prepaid card

I'm having trouble paying my credit cards and they won't stop bothering me.. I told them I will pay when I can. I'm tired of getting harassed with different numbers everyday. Comenity bank is the ones harassing me.
Product: Mortgage

I inherited a condo and changed the title 8 years ago. The original loan was sold to XXXX and now to SPS Financial. I am authorized to pay bills and take care of this property, and every time the loan is sold, they will not allow me to correspond. I then email the papers showing the title has changed ( I always get their statements mailed to my house, but they do n't look in the file to see I own the property ). I sent the Ombudsman papers in XX/XX/XXXX and she said I would be authorized in 2 days. I called today to ask why their statement shows XXXX cents in other fees, and why the statement shows {$100.00} in the taxes and insurance column. The XXXX reps I talked with either put me on hold and then disconnected me, or would not give me information on the loan because the system did n't show me as authorized to talk with them. Here 's the problem : if I send in the payment of {$530.00} ( it is ALWAYS ON TIME ), they will charge me a late fee because I did n't include the XXXX cents. And if they keep this up every month I will accumulate late charges. I pay the taxes and insurance is thru the association, as it has been AS IT HAS BEEN DONE FOR 30 years. I have XXXX credit with a FICO score over XXXX, and why this loan is always sold to hard money lenders/servicer 's is to attempt foreclosure and steal my equity. I want to resolve this YESTERDAY AND DEAL WITH SOMEONE THAT HAS A BRAIN and not hang up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX BALANCE {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} - XXXX XXXX XXXX XXXX Balance {$0.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Card partial account number XXXX***** - is reporting incorrectly to XXXX ; XXXX and XXXX a 30 day late payment in XXXX, 2019. ( Please see page 3 of the attached credit report. ) I receive monthly paper statements however I did not receive this month 's paper statement in the mail. I live in an art district which is primarily the warehouse district - and the mail consistently gets mixed up because there are so many mail boxes and consequently I did not receive this paper statement so I inadvertently neglected to make this payment. This incorrect reporting is harming my credit score.
Product: Credit card

PAY CREDIT CARD COMPANY FOR A DELETION, LOWES CREDIT CARD
Product: Mortgage

Since XX/XX/XXXX we were sold to Select Portfolio Servicing by XXXX XXXX. We had made every payment on time with XXXX XXXX through an auto debit program the company had. We were sold and never told until we got a phone call from the new loan company. We were told that there would be no issues with our payments as we requested they be taken out on the 1st of each month. It never happened even as we gave our info. They called us only after we were considered " late ''. This continued over the last year with very harassing phone calls threatening with " Further Action ''. We were able to get assistance from XXXX XXXX XXXX to get us up to date. It was a grant getting us caught up. We called SPS and gave a principle payment to reduce the mortgage balance which was larger and had not seen a drop in the principle in some time ' after 14 years we now owed as much as we had in XXXX which was XXXX. 
This evening XX/XX/XXXX we got a call from these people stating that we had indeed missed a payment. " What? '' I said. After some going back and forth the woman on the phone admitted that indeed we had indeed made our payments up until the current month. It was XXXX payment due. I said, '' Well I can't go to the bank to make anything Its election day and they are closed ''. The month started on a Saturday and They are harassing me over a payment only due now? We feel as though this is a trend and the harrassing calls will continue. We are going to sell this house to get rid of these people. We want them to stop this behavior and we want to find out how our mortgage got bigger. We want them to cease the threats.
Product: Credit reporting or other personal consumer reports

My credit report contains mixed information, including accounts, transactions, and items that do not belong to me. This ongoing issue is highly concerning and has been causing me significant stress and anxiety. I urge you to carefully review this matter, as this complaint is not made in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

as of XX/XX/XXXX i have noticed fraud account ACCOUNT NAME- XXXX  XXXX ACCOUNT # XXXX XXXX DATE OPENED- XXXX ACCOUNT TYPE- CHARGE CARD STATUS-Account charged off. {$540.00} written off. {$540.00} past due as of XX/XX/XXXX. 
STATUS UPDATEDXXXX XXXX XXXX $ Contact info Address XXXX XXXX XXXX XXXX, OH XXXX Phone number-None provided INCOMPLETE ACCOUNT # IS GROUNDS FOR THIS FRAUD ACCOUNT TO BE REMOVED AND DELETED! 
15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express shows that my account was closed on XX/XX/XXXX, and there wasnt a payment made on this account since XX/XX/XXXX, this needs to come off my credit report since its been 7 years and 3 months now, you can reach me at XXXX
Product: Debt collection

Over the past 6 months, I have received nearly daily calls from Portfolio Recovery Associates, based in Virginia to collect various debts from " XXXX XXXX ''. In every instance, the call starts with a demand for payment without mentioning who the debt is owed to and only when I seek confirmation do they demand that I share my social security number. I have refused and asked them to provide the last XXXX digits of the debtor. In all cases, it is not my social security number. In fact, in most cases, it is different social security numbers ( not the same XXXX ). They will not share how my home phone number became attached to the debts of different XXXX XXXX or why they can not remove me from their calling list. The agents are quite persistent, unpleasant and unwilling to stop calling. I am writing because I am not a push over, but some more compliant people will be pressured to make payments on debts they do not owe.
Product: Debt collection

I sent a letter to Works & Lentz , INC. in early XX/XX/XXXX requesting validation debt being reported on my XXXX  credit report as : WORKS & LENTZ INC-XXXX. Original Creditor Name : XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Original Amount Owed : {$260.00} Amount : {$180.00} Status Date : XX/XX/XXXX Status : UNPAID. Account Number : XXXX. They responded to my letter on XX/XX/XXXX with a letter that clearly violates my rights.Works & Lentz , INC. Did NOT comply with any aspect of HIPAA standards and provisions detailed in detailed in 45 CFR Parts 160, 162, and 164. Works & Lentz , INC did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights.
Product: Payday loan, title loan, personal loan, or advance loan

This is XXXX XXXX and I got a lot of credit through American first finance to repair my car and they ended up taking in total about {$400.00} out of my account which violated our terms of agreement. They were supposed to take XXXX out a week. The XXXX of XXXX to XXXX and from about XXXX to XXXX they took out XXXX and Ive been struggling to pay the weekly and took my account off auto pay and they hit me with all these late fees and that has done repetitive damage against me and I want to term our contract
Product: Credit reporting or other personal consumer reports

- Hello, I am now trying to use and build my credit for the first time now in 2025. As I proceeded to do this I saw that my credit score was very low and saw plenty credit reports and accounts and collection accounts that arent mine and i have no knowledge of. i never applied for or used any of the accounts on my credit report before this year. I was XXXX  a couple years back and believe my information was used fraudulently. Ive only applied for one account this year for the first time which is currently active and in good standing. i will just like these negative accounts and improper use of my identity from the past out of my credit report so i can build a good relationship with credit companies and build my score.
Product: Credit reporting or other personal consumer reports

unauthorized inquiries on my credit report! 
XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Mortgage

under previous case XXXX we attempted to seek assistance under the CARES act ( Section 4022 of the Act provides that a borrower experiencing financial hardship due to the COVID-19 pandemic can request forbearance for a federally backed mortgage loan regardless of delinquency status ) I was informed that the loan was not covered under the act see response under previous case ( attached as exhibit ) There response clearly stated that this was " not '' a federally backed loan and that a balloon payment was necessary at that time in the amount of {$5600.00}. I had to borrow the funds to bring the account current to avoid being foreclosed on, based on the response they provided myself, as well as, the oversite agency responsible for protecting me the consumer. Today, I received correspondence contrary to the previous case stating that the loan is in fact covered under the CARES act. ( Attached as exhibit ) Select Portfolio Servicing is in direct violation of the CARES Act and directives from the XXXX XXXX XXXX XXXX in the previous response and result.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation loan XXXX XXXX XXXX XXXX XXXX FRCA address and names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX
Product: Debt collection

Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by Credit Management Control. Credit Management Control does n't have the rights to collect debt in the State of Texas? They are not abiding by the Law accordingly to the State of Texas and they should remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. Now that I have made them aware of this by sending the a Creditors Validation Letter to respond back to me and show proof they are in perfect standing with the State of Texas Debt Collection Law. So, I checked the Secretary of State Texas Debt Collections Division website and found out that Credit Management Control is breaking : " Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. Also, you can not operate in the state of Texas with a P.O. Box '' I am in need of another XXXX to remove them from my credit report please. Also, they are reporting that this debt was open in XX/XX/XXXX in which the account was open XX/XX/XXXX they are re-aging this debt which is against the FDCPA XXXX.
Product: Mortgage

Hello I'm currently assisting my elderly parents on a home re-finance. This has been through Navy Federal Credit Union. 

The process started on XX/XX/2020. It has still not closed. I have provided all necessary documents within 24 hours ( without delay on my end ) of me being asked for any documentation. 

At the inception of the loan process Navy Federal advised that they were having delays because of the volume taking place. I can understand that. 

However I have had very little communication with my loan processor. I have emailed, called and left voicemails. When I had 1 response to call me as I had additional questions it was again followed by no more responses. 

Personally this has been one of the most unprofessional financial transactions I have ever dealt with. I finally did get some traction however. On XX/XX/XXXX after responding to a survey from Navy Fed if I was still interested in the mortgage I had a response from a REL Resolution Specialist. This person appears to be getting everything back on track and is responding within 3-6 hours of my emails.

After this help it seems like the loan processor created a new application in error then sent a corrected one. It's now been quiet again and I'm still waiting. I wanted extra insurance and signed a rate lock because I'm not confident Navy Fed can deliver this loan in a timely manner. 

Navy Fed also has a large amount of older Veterans that they work for and I think it's a shame that they allow this level of service to occur.

While I may not have all proof of incoming calls. I have kept all my email correspondence with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a few months ago that Transunion stopped reporting my oldest trade line ( an  open credit card account with XXXX XXXX XXXX XXXX in Utah ). I called Transunion on or around XX/XX/XXXX and they said that I would need to have XXXX XXXX call them to get the trade line reporting again. I initiated that request with XXXX XXXX on or around XX/XX/XXXX. 

On XX/XX/XXXX, I received an email from XXXX XXXX confirming that they were in contact with Transunion and had submitted a block rescission request on XX/XX/XXXX but it was still in process. 

On XX/XX/XXXX, I received an email from XXXX XXXX at XXXX XXXX stating that Transunion refused to reinstate the trade line since it had not been used in 10 years. XXXX XXXX confirmed that the trade line would continue to report on the other credit bureaus and that they would continue to report the card on their end. The trade line is open and has always been paid as agreed. 

I called Transunion to appeal this determination. I first spoke with " XXXX '' on XX/XX/XXXX, who proceeded to hang up on me when I asked for a supervisor. I then called back and spoke with " XXXX '' who elevated my request to an unnamed supervisor. XXXX told me that Transunion does not remove these trade lines and that there was a special creditor department that XXXX XXXX can call to initiate a block rescission request. I confirmed that we had already tried that process, but XXXX stated that he could not do anything further until XXXX XXXX called back again. 

I then asked the XXXX XXXX Legal Credit Specialist, XXXX XXXX, to call Transunion again. At that time, I decided to file this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I visited a few car dealerships to shop around and explicitly told these dealerships that I do not want my credit report run because I will be getting financing through my credit union as well as making a down payment. 

These dealerships then took it upon themselves to run my credit report over 20 times across different banks to try and find a rate that would beat my credit union even though I had just asked them not to do that. They did so against my wishes because they were aggressively trying to make sure I left with a vehicle that day. Below are these frivolous inquiries segmented by the credit bureau. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

They had a XXXXXXXX XXXX come out to my house and scam me with home security.
Product: Credit card

My Citibank account was closed due to debt forgiveness. Citibank is required to issue me a 1099-C form so I can file it with my annual taxes. Despite numerous phone calls to Citibank, they have refused to send me the 1099-C. Please assist me in obtaining this necessary tax form from Citibank.
Product: Debt collection

I tried to contact flex from XXXX XXXX to XX/XX/XXXX to pay a past obligation. They can only be reached by email. I was not able to resolve the issue until XX/XX/XXXX. The debt was paid in full. On XXXX, XXXX XXXX Flex finance sent in another report stating that my account was 120 days past due with a balance of XXXX XXXX I disputed this was the credit bureaus with proof and it was resolved then reapplied.
Product: Vehicle loan or lease

My lease with Hyundai Motor Finance ends XX/XX/XXXX. In mid-XXXX  I requested the payoff amount ( {$17000.00} ), received that on XX/XX/XXXX, good through XX/XX/XXXX. I submitted the requested odometer statement on XX/XX/XXXX, and then again on XX/XX/XXXX at Hyundai 's request. I used the online tool to pay my personal property tax ( {$630.00} ) on XX/XX/XXXX. The agent said to use the same online tool to send the payoff amount, which I did on XX/XX/XXXX. The payment history shows that Hyundai processed this payment ( {$17000.00} ) on XX/XX/XXXX, and the funds were taken from my checking account on XX/XX/XXXX. I cancelled my automatic monthly payment ( {$81.00} ) on XX/XX/XXXX since the payoff amount was good through XX/XX/XXXX. They still have not sent me the title. 

I've made NUMEROUS calls and have various complaint and case numbers. One supervisor early on told me that they deducted the XXXX payment from my personal property tax payment ( even though the XXXX payment wasn't due because I paid off the lease on XX/XX/XXXX ), and this screwed up everything. Many, many phone calls later, and after so-called escalation to " corporate, '' they claim that they can't get their system to apply my payments correctly. The last I heard ( yesterday I got a text ), they're still working on it, but nobody seems to know how to get the system to apply my payoff amount correctly. They actually said this.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Debt collection

I got a call from a collection about this debt that I still dont know where it came from or how it got pend on me because this was not mine. But this collection agency wanted to settle for {$3000.00} so I paid it 2yrs ago and it is still on my credit. Im really modified to get this off.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Far Credit Reporting Act XXXX account number # # # # # XXXX ( XXXX  XXXX XXXX XXXX ) and account number # # # # # # # # # # # # # 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 also states a consumer report ac can not furnish an account without my written instruction