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

Experian and it 's entities pulled 35 separate inquiries from XXXX thru XXXX and 21 inquiries specifically in XXXX. The names used created 8 separate line items cic/Experian identity check, XXXX XXXX XXXX XXXX XXXX cic/ experian creditworks, cic/ experian identity ch, and Experian 3 times different line items and addresses. The different addresses include, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Ca XXXX, XXXX XXXX XXXX XXXX tx  XXXX, no address, XXXX XXXX XXXX XXXX tx, XXXX, XXXX XXXX XXXX, XXXX, ca XXXX XXXX XXXX XXXX XXXX ca XXXX. Different phone numbers inckude 4 line items with no phone number and 2 line items with phone numbers not in service
Product: Debt collection

XXXX  XXXX XXXX XXXX / XXXX XXXX XXXX XXXX NY XXXX sent me a bill saying I owe a hospital bill XXXX. I told them many times to send me proof I owe this debt. I wrote them a letter XXXX XXXX telling them I don't owe this debt. They keep sending me the same letter stating I need to write them to dispute and pay my debt. The recent letter i got was XX/XX/2023. That says I need to sent another letter to dispute. I don't owe any hospital XXXX.
Product: Debt collection

I took out an installment loan with MoneyKey. Due to a loss of income I got behind on the loan. I am unsure if MoneyKey is even an authorized lender in the state of Alabama due to their enormous interest rates and unfavorable terms. They were recently sued by the Attorney General for the State of Virginia for this very reason. Today, XXXX, my sister, daughter-in-law, mother, grandmother, and my daughter-in-law 's brother called me to tell me they had been called by XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX, Florida XXXX XXXX Number XXXX regarding my whereabouts. Moreover, the collection agency told my daughter-in-law 's brother that I would need a lawyer regarding the debt that was owed. Moreover, my grandmother was told she should lend me the money to pay the debt. My grandmother is XXXX  as well as my mom and they are very upset about the calls that they received today. Additionally, discussing my debt with my daughter-in-law 's brother is a true violation of the debt collection law. My mother, sister, and daughter-in-law were called two times today XX/XX/2023. Please protect me as the consumer as this is unfair debt collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is a fraudulent account. I have provided the identity theft report to the credit bureaus and they will not remove. Can you please assist with removing this account off my credit file
Product: Credit reporting or other personal consumer reports

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 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 XXXXXX/XX/XXXX has violated my rights. 


XXXX XXXX FIN XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 


I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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: Vehicle loan or lease

I drove my car to work and while I was at work a hail storm came thorough and destroyed my car, I tried to keep the car and my Insurance co said that Santander told them that we had to turn the car over to the insurance co and we could not keep it I would of got the car fixed and payed the car off but that  was still not a option. and so I had no choice but to buy another car and be stuck with two car payments that I could not afford. The finance co is Santander phone # XXXX out of XXXX XXXX Texas my Insurance co is XXXX XXXX in XXXX Ks I would appericate any Info please XXXX XXXX
Product: Debt collection

I Have enclosed proof of my identity and a copy of my FTCIdentity Theft Report. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to immediately stop all collection activities about this debt, including reports to credit reporting agencies. I also ask that you tell the business where the account was opened that this debt is the result of identity theft. 
I have enclosed a copy of the Notice to Furnishersof Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. 
Pleasesend me copies of all records relating to the account, including : Pleasesend me a letter explaining what you have done to : Account applications made on paper, online, or by telephone Account statements or invoices Recordsof payment or charge slips Delivery addresses associated with the account Recordsof phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Inform the business where the account was opened that the debt is the result of identity theft Stop collection activities against me Stop reporting information about the debt to credit reporting agencies If you've already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX : FTCIdentity Theft Report Proof of identity Notice to Furnishersof Company Involved Portfolio Recovery Associates
Product: Credit reporting

I have never lived at the address where XXXX authorized an account to be opened which apparently used my social security number. I have lived at my current address for 13years straight. The services that I had with XXXX was at my current address and was paid in full and cancelled and all merchandise returned. I spoke to them over the phone and was told on yes we see your account was closed and current and a refund mailed when closed we will take care of. Now this {$920.00} balance is showing under my social and the address they have is not mine. I currently have XXXX cable services
Product: Credit card

PNC bank had issued me a credit card, I had this credit card for past 5 years, but I just learned that they have been taken away my rewards earned because they implemented a new procedure that I was not aware about and have been taken away my rewards. I contacted them they have not explanation for it. I came across the issue when I saw on my statement that previous rewards balance plus earned was less than previous.
Product: Payday loan, title loan, or personal loan

Im a veteran dealing with XXXX with anxiety as well as XXXX XXXX issues! I originally applied to help finance a lawyer to fight the VA for wrong and neglectful mistreatment and improper diagnoses. Then that fell thru and then I got overwhelmed by applying for another due to I wanted originally {$1500.00} but was approved for less which resulted in multiple loans thus becoming overwhelmed. I finally got with another law firm and hopefully my mental and physical issues will be addressed and properly diagnosed and treated if there treatment available.
Product: Credit reporting or other personal consumer reports

I have no knowledge of the listed hard inquires, the inquires involve identity theft and must be removed no later than 4 business days as per 15usc 1681c-2 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 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 i contacted Equifax via mail to dispute inaccurate information on my credit reports. To date I have not heard a response in reference to my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding inaccurate information on my credit report. Despite several attempts to have this information removed, the three credit bureaus have failed to take appropriate action. 

Due to multiple data breaches that occurred in recent years, I have become a victim of identity theft. As a result, I was forced to file for bankruptcy because I became responsible for debt that was not mine. I have made numerous attempts to have the inaccurate information removed from my credit report, but to no avail. 

I have reached out to all three credit bureaus and provided them with the necessary documentation to support my claim of identity theft. However, the bureaus have failed to take appropriate action and have not removed the inaccurate information from my credit report. 
This inaccurate information on my credit report has caused me significant financial and emotional stress. It has affected my ability to obtain credit, secure employment, and has negatively impacted my overall credit score.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that the credit bureaus correct the inaccurate information on my credit report. I would also appreciate your assistance in ensuring that this type of situation does not happen to other consumers. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Caine & Weiner, a collection agency, contacted me originally via email on XX/XX/XXXX. They claimed I owed {$390.00} for a Registered Agent ( RA ) fee that was accrued through a business transaction with XXXX in XXXX. I asked for a bill, statement, invoice, or any description revolving around the accused transaction, and they failed to provide the requested information. They stated that providing such information was not their duty and that any information regarding specifics would be provided through XXXX. It took some time, but I was finally able to get in touch with a XXXX official. I have transcripts from an online chat with their official that was obtained through their website that clarify no money is due, no charge was ever submitted for an RA fee in XXXX, and warning that this interaction with Caine & Weiner may be a scam. I spoke with a representative of the collection agency letting them know that further interactions will be handled by my legal team, and offered to give them the contact information. They denied, stated they would annotate that I have a lawyer in my account, and the representative quickly hung up the phone. I have also explained to Caine & Weiner that I have no issue paying for services rendered, but it feels like fraud to be told I owe money in regards to a business transaction with a company that is actively disagreeing. All the while, the complainant, Caine & Weiner, will not provide any official documentation and utilizes bullying techniques that feed off of an individuals fear of reprisals.
Product: Debt collection

I have already provided photos and documents proving that I fulfilled a lease that I was taken to court for. The attorney on behalf of the company who sold the debt to the collection agency did not object to the eviction and the debt being dismissed with prejudice during the eviction hearing. Months after the hearing XXXX XXXX XXXX sent me all the documentation that I used to prove my case in court in the form of validating my debt for collection. I have tried numerous times to have this item removed from my credit report and also requested that if the company who originally reported the debt wanted to collect they should take me to court. No court action has occurred, as the previous case was dismissed with prejudice, however, the Collection agency continues to report negatively on my report. 

I gave notice of intent to vacate on XX/XX/2020. I turned in the key on the last day of my lease agreement on XX/XX/2020. A walk through was denied due to COVID, however, I took photos of the entire house prior to returning the key.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

COLLECTIONS XXXX {$2600.00} XXXX XXXX XXXX {$700.00} XXXX XXXX {$4500.00}
Product: Checking or savings account

In XXXX, XXXX I opened a Huntington XXXX checking account and I was supposed to get a {$200.00} bonus after depositing more than {$1000.00}. See attached screenshot. 

Fine print from bank : To qualify for the {$200.00} cash bonus, you are required to open a new, qualifying Huntington 5 Checking account by XX/XX/XXXX and make cumulative new money deposits into the checking account of at least {$1000.00} or more within 60 days of account opening and keep your account open for 90 days. 

I satisfied the terms but did not get the bonus. So, on XX/XX/XXXX, I contacted the bank. Now they are telling me that the {$1000.00} deposit has to be in direct deposit and they refused me the bonus. Even when I opened the account the banker " XXXX '' clearly told that I just needed to deposit {$1000.00} to get the bonus. 

If that is the case, why don't you mention clearly in the screenshot and fine print. These are deceptive practices to ensure I do not get the bonus. 

I want CFPB to ensure Huntington grant the {$200.00} bonus as promised.
Product: Credit reporting or other personal consumer reports

I have created an account with Equifax numerous times every time I try to log into their website with my email password it tells me to keep contacting customer service. I continue to do this every time I call customer service they want to verify my information but the information they have on my credit report is old information incorrect information. I can not answer the security questions if theres accounts on there from years ago and theyre asking me questions what the name of the banks I have filed the bankruptcy and I have stuff on my account with Equifax that should not be there. Also I had identity fraud back in XXXX  with Equifax and that still isnt corrected. Ive been trying to correct my information And I am getting nowhere.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting " Proper Validation and Proof of Claim '' as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

7. Immediately cease reporting the collection account associated with my name.

8. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 
Sincerely, BALANCE : {$6200.00} {$1000.00} {$1600.00} {$3100.00} {$4200.00} {$15000.00} {$1200.00}
Product: Checking or savings account

I opened a capital one 360 in XXXX and after few days I received a wire transfer in XX/XX/2018 and the last wire transfer i recived was XX/XX/2018, amount {$3300.00}. I withdraw first via ACH payment because they have no capital one branch in the state where i live and then i requested for a debit card and they told me they dont issue debit card to savings account holder except is a checking account and i tried to open a checking account i was not approved, so i tried to withdraw again then account on hold for no reason and i have been calling them to return all money back to the sender of wire transfer.i have been calling capital one to return money back and they agree to after few weeks i called and i realised they did nothing and i told the sender all that happened and he promised he will call and after several calls he realised they are not read to release fund.i have been calling capital one almost every day in XXXX i had to slow down when they told me they are returning money back and uptil now they didnt return it,
Product: Debt collection

LVNV received my phone information fraudulently. The original creditor charged off this account and was fully credited. After the creditor was fully credited and filed 1099C with the irs, the original creditor sold my personal information so that their partners would attempt to collect an another full credit. LVNV has now began selling my information to other companies. So the Original creditor is selling my personal financial information to companies like LVNV and LVNV is billing me, and LVNV has began to sell my information to other companies. I asked the original creditor or the 1099C and they hung up the phone after saying they have no record of sending it in 2022. This account was fully credited in 2022. LVNV is clouding my credit report unfairly and violating my rights under the Fair Credit Reporting Act, Fair Debt Collections Practices Act, and The Fair Credit Billing Act. Aside from this, this account has never been validated, they only have a credit bill but they do not have a credit card agreement. They no signature and no record of a contract to sign up for a credit card. All they have is bills, which is not a credit card agreement. A bill comes after their is already an agreement but its not proof an agreement. They have no copy of identification of anything that says I signed up for a card. However, they have already been fully credited and for this reason I do not wish to be Harassed via phone calls, stalked via US mail, or any contact. I have been bullied for over a year now and I have lost opportunity for first time home buyer programs, renovation loans, and more and because of this my son and I have not been able to move into a new neighborhood. We have wasted time and money trying to clear my credit but LVNV reports late payments every month as if I active account. They also ran my credit as If they are a cared company. Im not sure why they have so much power of my life without oversight.
Product: Payday loan, title loan, or personal loan

Back in XXXX I applied for and received a loan from Lendmark Financial located in XXXX Maryland in the amount of {$6500.00}. As of today, XXXX, I am still owe over {$7000.00}. All of my payments that have been made are being applied to the interest only. I do not believe that is fair business practice to consumers and I believe that it is up to our elected officials to stop this unfair business practice and put a stop to lenders who out to only steal from hard-working consumers. It is really hard today with extremely high cost for just about everything. I have reached out to Lendmark to make a settlement offer but they refuse to accept a lower amount. I want to take them to court and start a class-action suit against them.
Product: Mortgage

I have spoken with at least XXXX different representatives at Wells Fargo over the past week, including their Executive Office, and can not get anyone to logically review this. I am being over assessed in the Escrow analysis. Wells Fargo has given me a case number of XXXX. My most recent call was today XX/XX/year>. I am waiting for someone to call me back, however given all of the prior calls, I doubt anyone will really look at this. 
They failed to include an estimate for the month of XX/XX/year> escrow and therefore calculated the Escrow Balance Difference at XXXX $ XXXX vs. XXXX $ XXXX This error results in my escrow analysis Projected escrow balance being understated. It should show a starting balance of {$2000.00} not {$1500.00}. 
They are overcharging me by {$500.00}.