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

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following addresses are not mines : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion reported via mail to me that my disputed item ( Bankruptcy ) was verified as accurate but did NOT provide any supporting documentation or proof that the accounts belong to me
Product: Credit reporting or other personal consumer reports

After checking my consumer report this morning I found an unauthorized collection account being reported on my credit by a company name XXXX XXXX XXXX. I have no knowledge of doing any business or transaction with this company. This company is fradulently furnishing false information that was never confirmed by me and I never gave permission to. These actions are not fair or accurate and is ultimately an invasion of my privacy. The consumer agencies Experian XXXX as well as the company XXXX XXXX XXXX are all committing identity theft by using my private non public personal information with my consent.
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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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: Consumer Loan

Vehicle was totaled. Requested payoff to clear off account. Ally financial stated amount to close account and provide clear title. Insurance company sent check for that amount. XXXX months later ally collection is harassing me at work, calling numbers that have been requested to be removed. Bulling my XXXX year old grand father ( no clue how they got his number, he is not a signer ). Refusing to send me a statement of what is owed. Every agent I talk to gives a different amount and reason of why it is owed. Agent in total loss department stated all was cleared off and not sure why I am getting these calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. All the credit report companies XXXX, Transunion and XXXX are all reporting late payments on my credit report. 
2 All the credit report companies are reporting hard enquiries without my authorization.
Product: Debt collection

I have been getting XXXX to XXXX or on some days more phonecalls from Portfolio Recovery. They call sometimes beginning at XXXX XXXX in the morning and sometimes after XXXX on a given day. My wife works XXXX shift and we do not need them to be calling us that many times. I feel that is Harassment!!
Product: Debt collection

I was notified by Midland credit XXXX about paying my debt or get sued. I received a subpoena for court and the account was completely paid in full and closed on XX/XX/XXXX. Midland credit management updated the credit bureaus that I owed $ XXXX and that the account was not paid in full, they have yet to report this to the credit bureau either. Also, XXXX XXXX  sold the debt and were paid for it yet they would not remove this debt from my report either. My concerns are that after disputing this account of Midland credit management my credit score dropped over 50 points, and All I was disputing was the fact that they had not shown the account was paid in full to the credit bureaus. As of now I have two negatives on my report from midland credit saying I owe $ XXXX and one saying I owe $ XXXX, my one account with them has been paid in full and closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX identity theft restoration assistance.The website states that you should call the XXXX if you suspect your a victim of identity theft and they would help you restore your identity.But they told me that they would not set the product up and after arguing about 20 minutes to a 30 minutes just to get the manager to allow them to let me purchase the product.
Product: Mortgage

CitiMortgage " Dual-Tracking '' activities left me with ruined credit for the last 6 years after I was approved for a mortgage modification by them while they slyly commenced foreclosure activities simultaneously during the modification application period from XXXX 2009 to XXXX 2009. This dual-tracking defeats the purpose of a modification if they were going to commence foreclosure just the same. It smacks of fraud and protects their investment at the cost of consumer creditworthiness and home-ownership.
Product: Credit reporting or other personal consumer reports

XXXX XXXX in XXXX starting XX/XX/XXXX I was on my house/townhome journey. I started my 1st application with a lender and with a 2-week grace period I shopped around with other lenders. I was told that I had a 23-week time frame to shop around with lenders so it wouldn't affect my credit or credit score. But i didn't know that they would all show up on my credit report as hard inquiries. I was told they weren't supposed to show, only the 1st lender I shopped with and as long as the others were within the small timeframe window that they're not supposed to show up as hard inquiries nor hurt my credit score and they have. So, all the hard iquiries in XXXX of XXXX should be removed immediately from all XXXX credit bureaus. I don't know what XXXX is, I never applied through this company. I did apply for the XXXX XXXXXXXX XXXX so I understand why that hard inquiry is there. 



XXXX XXXX XXXX XXXX ( FINANCE ) XX/XX/XXXX XXXX XXXX XXXX  ( FINANCE ) XX/XX/XXXX XXXX XXXX XXXX ( FINANCE ) XX/XX/XXXX XXXX XXXX ( FINANCE ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX ( BANK ) XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My data was involved in various data breaches, XXXX Data Breach, Transunion Data Breach, and XXXX Data Breach. I have a number of unauthorized, inaccurate, and imcomplete accounts on my credit report that are hurting my reputation with the banking system. I am looking to get a mortgage very soon and these unauthorized and inaccurate accounts are hurting my chances. I did not consent to any of the unauthorized accounts or inquiries. This is unfair and inaccurate reporting that must be fixed immediately. I demand that you remove all inaccurate accounts immediately. Ive mailed in disputes more than a month ago and I still havent been responded too by the Transunion XXXX or XXXX.
Product: Mortgage

Carrington Mortgage Services , LLC has increased the amount charged to me each month in relation to my mortgage loan compared to my monthly payments before the transfer to Carrington. In answer to my repeated questions on this, Carrington says that the property taxes and insurance have gone up. However, the property taxes and insurance have *not increased*. Please see the attached documents I am uploading which prove that the property taxes and insurance have not increased. I want Carrington to correct this and to refund me the extra money it has forced me to pay.
Product: Checking or savings account

Problem : Wealthfront Cash Account locked after reporting fraud transaction due to verification issue, followed up immediately with verification documents but no updates from the bank whatsoever, contacted multiple times and resent documents. More than 5 business days now without access to checking account funds. Unacceptable service. 

Background : - Never ordered a physical debit card - Have a digital debit card in my XXXX wallet thats locked - On XX/XX/XXXX, noticed a unknown transaction of {$100.00} from XXXX made in XXXX XXXX, XXXX - I have never been there in my entire life - Immediately reported the transaction for fraud, customer service initially accused me of having a physical debit card, but after minutes of explaining I dont have one, he proceeded to put in an investigation for me- Forced to me to replace my card ( rightfully so ) and will be giving me a physical one, but required me to go through some verification questions- Ended up receiving an email saying that my account will be deactivated/locked until documents are provided for verification - Followed up XXXX minutes later with my drivers license on XX/XX/XXXX - Called Wealthfront customer service multiple times since then on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, only to be reassured that this will be looked into and asked to wait two more business days each time - Wealthfront also does not provide contact to XXXX XXXX who services their banking, which is completely unacceptable because verification is through them - I found out a contact to XXXX XXXX corporate resolutions and was able to reach the department on XX/XX/XXXX - Informed me to wait another XXXX hours Im honestly so frustrated at this entire experience. I dont think its acceptable to first accuse me of having a physical debit card when I didnt have one in the first place, then proceed to lock my account and ask me to verification, and not provide an update for many business days after Ive already provided documentation via email multiple times. Furthermore, Wealthfront makes it impossible to reach their verification department and refuse to provide any contact information for resolution. For anyone who uses their bank to deposit their money and make payments, being in this situation sucks especially when Im not the one at fault. Instead, I get penalized for reporting a fraud transaction and left with no access to my account that I use to make payments to my bills. Additionally, false promises of having this case looked into every time I call customer support has prompted me to proceed with filing this complaint. 

I hope you can help me with this case.
Product: Credit reporting or other personal consumer reports

Account name XXXX XXXX XXXX XXXX XXXX  Account number : XXXX Account charge off which is a IRS Law ; Certificate of indebtedness is income and must be remove from credit report. 

If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. 
In general, if your debt is canceled, forgiven, or discharged for less than the amount owed, the amount of the canceled debt is taxable.

Topic no. 431, Canceled debt- IRS Law
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please have the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$720.00} XXXX XXXX XXXX XXXX XXXX Balance {$1700.00} Bankruptcy XXXX XXXX XXXX Date Filed XX/XX/XXXX Reference # XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX Please comply with the Fair Credit Reporting Act section 605b, and have the disputed accounts and information removed from my creit File as soon as possible.
Product: Mortgage

I started the process of refinancing my personal residence and vacation home in early XX/XX/2020. I was told several times that the loans were approved but then they kept asking for the same information over and over which was provided, then they lost underwriters, seems like they were always starting over. Now it's mid XXXX and they still have not been able to provide me with a closing date or if it has been " officially '' approved. I keep giving them updated bank statements, they changed my insurance to reflect them as mortgagee ( which happened early XXXX ) ; they contacted my CPA to ask a couple questions about one of XX/XX/XXXXXX/XX/XXXX, which cost me {$250.00}, and the list goes on-and-on. I have never experienced anything like this in all the refinancing transactions I've completed in 30+ years.
Product: Checking or savings account

On or about XX/XX/XXXX, I submitted a notarized power of attorney to Chase bank in XXXX. I wanted to remove my mother from the account she died on XX/XX/XXXX and list as POA for my father. I was informed by their employee XXXX XXXX that Chases attorney could not accept the document because the year was missing where my XXXX father signed. I asked '' All I need to do is fill in the year and resubmit the document. He responded, yes, you don't have to come down to the office again you and email it to me. I did exactly as I was instructed. Now Chase attorneys says the document has been altered and no is longer acceptable. My father is now XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I want Chase to take responsibility for their actions and stop holding an elderly XXXX man 's money as ransom, remove my mother and list myself on the account as POA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information incorrect I can't uptain credit keep getting denied Data systems generated an change my personal information to undefinable identity that incorrect can't even use my social security number with out saying don't match or record we have on file basically my social security number is no longer available for me it's in another identity so I know longer can use it no more I'm lost confused due theft they refusing to take my personal information out Alabama law enforcement data systems need my personal information removed from out the Alabama database background illegally incorrect information an they keep arrested me I'm victim bad
Product: Credit card

I got a message on my phone saying my XXXX  acct was breached. I panicked and looked online to find a no to call XXXX. I unfortunately called the no of a scammer. He duped me into charging an XXXX gift card to my acct. when I discovered it was a scam I immediately called Chase my credit company and they canceled my card no but it was too late they had already cashed the card. I called Chase within a hour of the scam. Chase looked into it and said I benefited because I okd the purchase even though he told me he was checking to see if my acct was secure and he was doing a dummy charge, I was scammed, I know I was a fool to fall for this but my credit card company has twice come back to say I benefited. Seems like they could see this card he purchased was not used on any of my devices. I feel like a criminal that this is their conclusion. The date this took place was XX/XX/year>. The charge for the gift card was {$500.00} ( XXXX ). I feel humiliated, I pay my bills have a top credit score but they have said now I will be charged. I willingly but unknowingly was aware I was being scammed. Please help.
Product: Credit card

My Care Credit card interest rate recently increased from 29.99 % - 32.99 %. No reason was given and I have never missed a payment. I was also never made aware of how my payments would be applied to 6 month interest free charges. Subsequently I was recently charged two seperate interest rate charges, one for {$600.00} and one for {$920.00}. The company refused to help lower these charges or alter my current interest rate.
Product: Money transfer, virtual currency, or money service

paypal is holding our funds for over a year they are requesting credit card statements that was never used on our account and wont release donated money we got from others
Product: Credit card

The XXXX XXXX XXXX  I worked for filed bankruptcy, hard to find a XXXXXXXX XXXX XXXX worked where I could, still paying bills on time. TJX card payments went up almost doubled with higher interest rate. I called TJX to close account to save on the usury fraudulent fees with payment of $ XXXX  monthly and agreed to use my bank account XXXX time and then pay by mail. I called and TJX didn't honor our agreement forcing me to close my account and start a new one. My account was allocated to other payments. Other credit cards accounts ( XXXX XXXX, XXXX XXXX XXXX, XXXX ) started to do the same thing, increasing payments and fees, fraudulent transactions on accounts, which lead me to close XXXX more cards. I making payments, but their fraudulent activities is more than I can handle. I made a small payment to TJX rewards to keep from being late, they cash the check, but still entered my payment as late on my credit report. I called to negotiate a lower payment, but TJX refused. These fraudulent overprice interest, payments, and transactions is Fraud.
Product: Credit reporting or other personal consumer reports

Now according to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Unfortunately I am victim of unfair practices.I am a consumer and Experian and XXXX Just to remind you I have a right to not have my information shared with third parties this is also backed ( 15 usc 6801 ) which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : IN ACCODANCE with the WRITTEN instructions of the consumer to whom it relates. '' the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian whether it be verbal, non-verbal, written, implied or otherwise is revoked effective immediately. Another reminder ( 15 USC 6802 ( b ) ( c ) a reference A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' I have yet to be informed of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 XXXX years. '' This account is an adverse item they are reporting again without my permission and is against the law. So I am now bringing it to the attention after long hours of research according to 15 U.S. Code 1681s2 ( 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. 15 U.S. Code 1681e states '' and this is why I as the consumer I am demanding that reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " I may exercise the right to opt out at any time. '' I will like to be shown the validity of alleged debt and would like to see all forms of communication and I am asking for phone records as well
Product: Vehicle loan or lease

Dt ran my credit and I had gave them permission however I didnt give them permission to run hard credit checks with multiple banks