23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Hi there. 

My name is XXXX XXXX. On XX/XX/2022, the State of Illinois sent a tax rebate check ( i.e., trace # : XXXX ) to my closed PNC Bank checking account ending in XXXX and the check in the amount of {$50.00} was never returned to the State Comptroller 's office. 

I called the state comptroller 's office to verify that the payment was made. I received the confirmation from the state and a contact number ( i.e., XXXX XXXX ), to reach out to PNC Bank for the payment to be returned to the state. I called PNC and they verified receipt but couldn't verify the return of the check! Neither could they say that they were obliged to return the check to the state by Law.

Something was off with this approach! If an account is closed, the Bank is required to return the payment to the sender by Law. In this case, the Bank violated that fact. Upon realization, they hung up and did not answer my calls again. 

So, I'm reaching out to find someone with a bigger voice to resolve this simple fact that the Bank violated the law and they are hiding away hoping that I don't follow up. I'm a poor person, {$50.00} can make a difference in my life and the Bank just doesn't care. Can you please help correct this wrong which might be happening to countless folks without a voice? 

Thank you!
Product: Credit reporting or other personal consumer reports

PLEASE DELETE BANKRUPTCY FROM CREDIT DUE TO VIOLATING MY RIGHTS Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting TheCongressmakes the following findings : ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. 
Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generaL Anypersonwho willfully fails to comply with any requirement imposed under this subchapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by theconsumeras a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In generalAnypersonwho is negligent in failing to comply with any requirement imposed under this subchapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( 1 ) any actual damages sustained by theconsumeras a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and this bankruptcy must be deleted from my consumer reportor i will seek monetary damages in small claims court in my city and state. Also i already sent this letter to theConsumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, andFederal Trade Commission. 

PLEASE DELETE BANKRUPTCY FROM CREDIT DUE TO VIOLATING MY RIGHTS.
Product: Credit card or prepaid card

Recently I applied for a new credit card from Capital One. The Card 's Landing page stated that if I was not approved for the card I had sekected, I would see a list of cards that I would be considered for. 
My application was declined, and no other cards were offered to me. 
I also recently received a letter from Capital One with the reasons for denial : 1. Too many recent inquiries. 
How many inquiries is too many? There is no language on the bank 's website informing me of how many they consider to be too many, so that I can avoid an unnecessary hard inquiry. 

2. Too many new revolving accounts : Once again, there is no information on the website informing me of how many new accounts are considered too many. It would have been nice to know the exact number, so that I could've avoided a hard inquiry. 


3. Too many new revolving accounts : Once again : how many accounts are considered too many? 

3. Too many recent credit inquiries : Yet again : how many is too many? 
What is the difference between this denial reason, and the first one? 

I have shown a 100 % on-time payment history while I was a Capital One customer, both with them, and with all of my other credit obligations. 
I have no nogative credit marks on my credit file. 
There is no pre-qualification opportunity on the site. I have to simply have blind faith that I will be approved, so that I do not waste not one, not two, but three hard inquiries,
Product: Credit reporting or other personal consumer reports

There is a fraudulent account reported on my credit file. Account Name : XXXX XXXX  Account Number : XXXX Account open date : Someone has opened an fraudulently authorized an account on my name using my Identity for this account for which I am not responsible. Please remove this account from my credit file. I challange the company to provide me the proof for opening of this account by me. I am the authorised user for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days given a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXXs you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Prepaid card

I have not been able to access my account accept via phone, I tried to call the company to ask when my deposit this week would be available to my card and the line to card services disconnects every time Ive called. I am not able to monitor the account transactions by phone, the recording only provides the last XXXX transactions and the online log in locked me out of my account even though I provided all the correct information. I would just like to know if Im going to get paid this week.
Product: Credit reporting

I have asked Experian to provide me proof of PERMISSIBLE PURPOSE for the inquiries that are circled and highlighted in the attached document. Many of them say " Unspecified Reason '' therefore no permissible purpose can be acknowledged nor proven by the companies that asked for my credit. I also have a few from XXXX XXXX XXXX XXXX that says they tried to do a car loan for me. I NEVER asked XXXX XXXX of all companies to finance a car for me. XXXX is my bank and they are the ones that did the car loan for me. Many of the companies that are listed as pulling my credit I have no idea who they are and I never received any kind of credit from them. THIS IS NOT ASKING EXPERIAN TO PUT ANY KIND OF FRAUD ALERT OR FREEZE ON MY FILE. This compliant is being filed because I have asked Experian to provide permissible proof that I asked these companies to grant me credit which they never did. You can see right on their own report that the reason is Unspecified, if that is the case how can they show permissible purpose. This is simply Experians way of trying to hurt me financially and I will not stand for it. I am demanding that the Inquiries that I have listed be removed because I DID NOT give permissible purpose to those companies at that time to pull my credit. The guidelines are very specific on permissible purpose Employment, preapproved credit, investments, credit monitoring, mortgage or insurance. NONE of the ones circled meet that criteria and I am DEMANDING that Experian Remove these inquiries immediately as I have asked them by writing 3 times to do this and they ignore my request each time.
Product: Mortgage

The Service company for my mortgage has repeatedly audited my escrow determining shortages two years in a row and will not provide documentation to explain the shortages. They do not return phone calls and emails. Fay Servicing keeps changing the account representatives. Managers do not return phone calls or emails. Twice I have been put into forced-place flood insurance when they did not renew with the provider and it has resulted in my payments nearly doubling. Because the property tax and insurance is paid from impound escrow holds, I do n't even get to see when and where these payments are made. I have asked to stop impounding for these payments and they refuse. My original loan with XXXX has been sold once or twice and the servicing company has also changed. I have never had any problems with the previous service company ( XXXX ), but I continue to have issues with Fay Servicing. I have asked them for the name of the previous flood insurance provider so I can switch the insurance back to that company from the forced-place and they refuse to provide the name. I have also requested the name and contact person for the note holder and they also refuse to provide that information. I have been hospitalized multiple times in the past few years and the XXXX Fay Servicing causes me is overwhelming. During the past two years after Fay Servicing has claimed shortages and my monthly payments have increased, I requested information to determine why there are shortages and they refuse to provide me the answers. I do n't even get a call back or response until I hold back making the payment. Once the payment is deemed to be late, only then do I get any response. Instead of getting me the detail I request, they have harassed me with multiple calls and correspondences and add late fees. This company does not work in good faith or with any sort of professionalism.
Product: Credit reporting, credit repair services, or other personal consumer reports

m submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission 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 {$46000.00} ; XXXX XX/XX/2022.
Product: Mortgage

I have been named executor of an estate. The lender, XXXX was informed immediately that the mortgage holder had died. This was in XX/XX/XXXX and I got the paperwork to them by XX/XX/XXXX. I was assured the loan would not be placed for collections. Of course, this happened in XXXX and I had to deal with the new company, Seterus for mortgage payment information. 
This was a nightmare and started out with Seterus refusing to let me know how I could get the balance to put the loan current. The initial individual tried to ask me how much I thought was owed and wanted it sent immediately. After XXXX week I finally had an answer and brought the mortgage current. The home was rapidly sold in XXXX and I again was called upon by the escrow company to try to reason with Seterus. The escrow company sent the normal demand for a pay-off and Seterus then refused to supply the information, causing undo stress for the closure date of XX/XX/XXXX. The person on the telephone said there were thousands of calls for pay-offs and we would have to get in line to get the final settlement numbers. She also said I could not speak to a supervisor about this although she did admit the original demand letter was there. The escrow company waited over the week-end and did get the payoff numbers but were shocked that I had to deal with this instead of them.
Product: Money transfer, virtual currency, or money service

On XX/XX/22, I contracted with XXXX XXXX ( DBA Home Fix Experts ) to build a retaining wall in front of our house. As part of this agreement, I sent, on or about XX/XX/22, a {$3000.00} payment to XXXX XXXX via my Venmo account ( under email address XXXX ). Venmo withdrew the payment from our XXXX checking account and transferred it to XXXX XXXX 's account. Because we had only limited experience with XXXX XXXX, I also elected to use Venmo 's purchase protection feature, which charged a small fee to allegedly protect us from fraud or failure to provide services. Full terms can be found at https : //venmo.com/legal/us-user-agreement/ # venmo-purchase-program. The site specifically says that it applies to sales of both goods and services. 

Halfway through construction, XXXX XXXX stopped performing work with the wall half finished, and instead provided one excuse after another for the delays. He claimed to have ordered another pallet of stones on our behalf, which never arrived. He repeatedly claimed that a truck would come by to take away the trash in front of our house, which never happened. His employee ( XXXX XXXX ) showed up at our house and stated that XXXX XXXX never paid him. Finally, my husband called the place that provided the first shipment of stones ( XXXX XXXX ) and they said that XXXX XXXX 's credit card didn't work and that they'd been trying to track him down for payment for XXXX weeks. 

After all that, I contacted Virginia 's Department of Professional and XXXX XXXX, and found out that he was unlicensed and what he was doing was illegal. My husband texted him about all this, and he did admit to me via text that he is not licensed. 

When I contacted Venmo and attempted to get back our {$3000.00} via the purchase protection plan, Venmo opened an investigation, but closed it multiple times without informing me, gave me the runaround, and at one point even closed my account, preventing me from following up. After admitting that they closed the account in error, Venmo reviewed the available evidence again and concluded that we did not qualify for purchase protection because I was merely suffering from " XXXX 's Remorse ''. Since XXXX XXXX failed to provide the completed retaining wall that I contracted for, I don't believe that " Buyer 's Remorse '' is an accurate reflection of the issue. " Buyer 's Remorse '' describes a condition where the buyer is simply regretful after the full completion of a transaction. In this case, the service provider did not provide a completed service. 

I am happy to provide additional evidence if needed. We have a full SMS transcript of all my husbands interactions with XXXX XXXX, but the full file is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # : XXXX Account Name : XXXX XXXX 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: Checking or savings account

On XX/XX/2021 I went to an atm off XXXX XXXX XXXX XXXX XXXX ny XXXX to withdraw XXXX dollars. The atm did not give me the XXXX dollars. I went to bank XXXX XXXX XXXX XXXX XXXX ny XXXX and spoke to the manager XXXX to report this. This was during my lunch break around XXXX pm. XXXX informed me to contact the fraud department and they would credit me. On Monday I noticed I was never credited and the XXXX department informed me it would take XXXX days to investigate. I called everyday to check on the status. On Thursday I was informed I would get the funds credited back. On Friday when I noticed the funds were not credited I called again and spoke with supervisor XXXX. XXXX informed me my claim was denied. I didnt understand how it could be denied since the atm never gave me the money. He explained there was no malfunction. The atm did not give me my money and I am extremely frustrated. XXXX dollars is a lot of money and its the holiday season. This is probably the worst thing that has happened to me and the bank doesnt even seem to be giving me clear answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax and XXXX  a copy of a filed identity theft report on XX/XX/2021 certified mail and they've never responded to the issues that were addressed.
Product: Student loan

I believe that Navient has not been applying my monthly payments accurately. I have been paying 180 a month for ten years. I have paid out as much as the initial loan, yet my loan balance has barely moved in those ten years. Navient is not applying my payments correctly and in  essence has been stealing, I feel, from me for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax on XX/XX/21 about what I believe could be a possible violation in return they sent me a letter asking for proof of identity. Immediately I sent another sending the required documents but since than I have yet to receive a response from Equifax regarding these consumer credit transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of XXXX XXXX. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Product: Credit reporting or other personal consumer reports

I'm a XXXX XXXX XXXX  customer and have been for over 6 years and unfortunately this year of XXXX there have been a data breach that dated back to XXXX and I have been a part of it.The data set appears to be from XXXX or earlier, impacting approximately XXXX XXXX current XXXX XXXX XXXX XXXX holders and approximately XXXX XXXX former account holders.This caused identity theft to happened with my SSN and making fraudulent accounts to be open and for some of my accounts thats already open to accrue late payments because of the fraud that's going on with SSN and then to later change into negative and charge off accounts and collections. The late payment accounts and collections on my credit report are fraudulent and showed be removed and late payments removed asap. 

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 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 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: Student loan

In XX/XX/XXXX I noticed I had an unexpected XXXX XXXX XXXX loan in my account in the amount of XXXX " as the school field. '' As of XX/XX/XXXX, that was still not fixed. I received verification from XXXXXXXX XXXX XXXX XXXX financial aid director and admissions, " XXXX did NOT borrow money from XXXX XXXXXXXX XXXX '' Those were loans XXXX through XXXX. I downloaded and, indeed and in fact, submitted the forbearance form for ADMINISTRATIVE FORBEARANCE, because my loans were not correct in my web account to view when logging in. I have image snapshots of my legal statement uploaded into the Navient system for false loans from XX/XX/XXXX at XXXX for validation. Now, I have spent since XX/XX/XXXX trying to call and tell Navient I uploaded the Forbearance form into the system, but they deny receiving a single document from me. I received an email last week saying " I am not responding '' and today I found out, UNEXPECTEDLY on XX/XX/XXXX, I am to pay on all my loans by XX/XX/XXXX. Nobody ever informed me by email of the terms of the loan changes. As of XX/XX/XXXX, they are still denying receiving my request for forbearance. On the forbearance form, I did inform them I was unemployed as a XXXX woman. I have image snapshots of the form being uploaded into the system in XX/XX/XXXX. I have image snapshots of everything I did to help manage my loans being unemployed. The emotional stress of the deceit and lies from Navient has become overbearing. I also have image snapshots from the XXXX Government site granting me XXXX until XX/XX/XXXX, however, Navient is not honoring my request. I also have emails from Navient stating, they did receive the Forbearance form in XX/XX/XXXX, but again, Navient is denying that I am responding.
Product: Mortgage

send me proof that you Community paid my taxes in 2018 sending a debit in my escrow account does not prove anything you state Community disbursed a county tax payment in the amount of {$1700.00} if thats true send me a copy of the check front and back otherwise remove the erroneous debit to my escrow
Product: Credit reporting, credit repair services, or other personal consumer reports

NAME : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, IN XXXX Email : XXXX 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 than 4 business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume! lam demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

I have had my identity stolen and I have had bank account opened in my name I have bank in the us XXXX XXXX and bank of America opened they say i owe them XXXX dollars and they have also opened up a XXXX dollar insurance policy on me without my consent using a private insurance company not keep on record