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

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. ( 3 ) INFORMATION regarding inquir
ies Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 
I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
I haven't been doing any car shopping, The only inquiries that should be on my credit report are XXXX XXXX or XXXX XXXX I have no ties or dealings with all other companies running my credit whether it's for financial or promotional. The following inquiries are not authorized, again PLEASE SEND ME MY WRITTEN SIGNATURE where I authorized my credit to be ran. 
The following inquiries need to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( which was ran twice ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX
Product: Mortgage

Subject : Urgent Concerns Regarding Account Notifications and Customer Service Experience I am writing to express my dissatisfaction with the recent experiences I have had with Truist Bank, which has prompted me to bring some concerns to your attention. 

Firstly, I have been receiving multiple messages and emails from Truist regarding delinquent payments that, upon thorough verification, appear to be inaccurate. My bank, XXXX, has consistently made on-time payments as per our agreed-upon schedule. 

Secondly, the staffing levels at Truist 's customer service department seem inadequate, leading to prolonged wait times for assistance. On several occasions, I have had to endure hours of waiting to reach a customer service representative, which is highly inconvenient. 

I have a XXXX loan with Truist that I established in XXXX, with automatic payments facilitated through XXXX. Unfortunately, I have twice been falsely accused of late payments, resulting in threats of fines. Despite investing considerable time on the phone to resolve these issues, the problems persist. 

As of today, XX/XX/XXXX, I have received multiple emails and text messages indicating a default on my mortgage payment, despite my bank 's confirming that the automatic payment was issued to Truist over XXXX weeks ago. My attempts to reconcile this matter with Truist 's customer service have been met with extended wait times and, in XXXX instance, an agent hanging up on me. 

Moreover, I am troubled by the inconsistency in Truist 's notifications, receiving numerous messages about default notices. I am requesting a modification to receive only XXXX email and XXXX text message regarding my account status. 

In addition to seeking resolution for these issues, I believe compensation is warranted for the significant time lost during my waits for a Truist agent. A reasonable waiting time is typically XXXX minutes, but my cumulative wait time has exceeded XXXX hours. Given my hourly income of {$250.00}, I request compensation of {$500.00} for the time lost. 

I appreciate your prompt attention to these matters and hope for a swift resolution to ensure a more satisfactory customer experience. 

Thank you.
Product: Credit card

In XXXX XXXX XXXXXX/XX/year> I accidently made a balance transfer to my Citi credit card. I called Citi bank right away to ask " don't accept this transfer because I send it accidently. Citi bank rejected this my request. Because I overpayed the credit card balance I used that money to make a credit card balance {$0.00}. In 2 biling cycles XX/XX/XXXX, I've seen a transaction " Refund procces '' on exact amount my rejected request on XXXX. Citi bank told me they sent " the check '' to me on XX/XX/scrub>XXXX XXXX XXXX I did not get any mails from Citi. I religiosly call to Citi bank every 2 days and I get only 2 hours or my time and non any adequate response. I asked Citi to make a deposit to my checking account and also could not get the rsponse and money on my account Already, 1 month passed anf only by XXXX I will get only the result of their own mistake. Please, could you direct me to some one who can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've notified this company, XXXX XXXX XXXX, about the incorrect and inaccurate information reporting on my credit report, I've asked for an investigation, verification, and validation of this alleged debt. My request has been ignored several times and no investigation has been done to ensure reporting at 100 % maximum accuracy. This company has violated several of my consumer protection laws. Saying the debt is valid but not providing any proof that the unknown accounts are verified. In addition, I've requested the method used to supposedly verify theses accounts and have not been provided with any information. My request continue to be ignored. This has cause a tremendous strain on my credit health, causing me to continue being denied credit for false reporting reasons. Please help me resolve this matter immediately as I have tried several times to handle this matter. 
Dates : XXXX accounts updates, so they were reporting incorrect to begin with XXXX alleged verifiecation XXXX reporting incorrect XXXX no response to dispute XXXX no response or action taken XXXX still reporting unknown accounts
Product: Credit card or prepaid card

When calling the XXXX toll free automated customer service number last week, it indicated a XX/XX/2021 deposit ( credit ) to my account in the amount of {$0.00}, which i did not recognize and is not even possible. Then when i checked my mobile application i noticed several more unrecognized credit transactions in the amount of {$0.00}. To me it seems that XXXX maybe receiving money for me and then immediately debiting it back out do that I never notice it's receipt in back-to-back transaction with XXXX XXXX effect on account balance.
Product: Debt collection

XXXX sent a debt from XX/XX/2020 to collections. I received no notice that they had not received payment. I received no notice that they were sending it to collections, and I received no notice that my credit score would be affected. They have violated the FDCPA twice ( statute of limitations and disclosure of debt ). 

The alleged debt is for {$100.00} owed on a device after I switched carriers. They informed me they would have reached out to me via email. The last email I have from them is from XX/XX/2020 for a cell spot booster return. XXXX has been unable to furnish any records showing they contacted me regarding the debt. 

I have spent nearly four hours on the phone with XXXX. They would not escalate me to a supervisor. I was hung up on twice. 

I have been messaging XXXX on XXXX. They will not furnish correspondence and refuse to put me in contact with a supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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: Mortgage

XXXX XXXX XXXX XXXX has stopped using the Green Tree name and has replaced the Green Tree name with " ditech ''. I received my monthly statement dated XXXX/XXXX/2015. Upon examination of the monthly statement, I noted that all of the " other important information ... '' referred to Green Tree. That this error exists indicates lack of due care in the performance of tasks related to the business being conducted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, yesterday, I signed up for the Experian XXXX service, which scans various consumer financial accounts for on-time utility payments in order to increase consumer credit scores. After several qualifying transactions were found in my XXXX XXXX accounts, my score was boosted from XXXX to XXXX. As I continued to explore the Experian website for other tools and information, I was repeatedly bombarded by the claim " Take your new FICO score out for a spin! See what new credit cards you are best matched for '' ( as well as the screen to enter credit card information to subscribe to Experian 's premium service - that's literally the welcome screen any time I log in, and I must scroll to the bottom of the page to decline this " offer '' ). I clicked on this link to take my new score " out for a spin '' and, although I wasn't in the market for a new credit card, I was intrigued by what was described as a 97 % match between the card issuer requirements and my credit information. Here 's what it said, and still says at this moment, word for word : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- You are matched to this offer! 
We've done the research so you don't have to. Our technology works directly with the financial institutions to match you to the offers from our partners that are right for you, which means you are more likely to qualify for the products that are Matched for You. Our list is more personalized that other sites because we review lender requirements before showing you offers. We find your best matches using things like your credit profile and your spending habits. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I went ahead and applied for this card, the " XXXX it XXXX XXXX XXXX', was instantly rejected, saw the hard inquiry on my credit report, and my score went down to XXXX. Now, while my score is 2 points higher than it was before I used Experian XXXX, the initial 5 point boost does not give Experian the right to then cause damage to my score in its pursuit of revenue from XXXX. Experian, of all organizations, should not be permitted to engage in such phishing/predatory activity and false advertising at the consumer 's expense. 

Today I called Experian about this, spoke to a representative who kept repeating that they can not remove a hard inquiry - although I said I know this and would simply like to know how they will rectify the damage they caused to my credit. I asked if I should go ahead and file my CFPB complaint ( she had never heard of the Bureau ), and she said that how about if she files a complaint to Experian, about Experian, with the hopeful result being that they will improve the website. I asked multiple times if I could please speak with a supervisor, and she changed the subject each time.
Product: Credit reporting or other personal consumer reports

Now that Experian has corrected the understandings that the consumer closed the credit cards with XXXX that Experian must acknowledge their faults of applying a hard evaluation resulting in lowering of the XXXX XXXX was incorrect because XXXX only denied the credit cards due to previous promotional periods does not allow the consumer to open new credit cards until the waiting-period ends. 

Experian should correct the XXXX XXXX per the XXXX lowering the XXXX XXXX only upon confusion that XXXX did not recognize the denial was not the fault of the consumer but only due to the promotional period hold. Experian wrongfully believed any denials of XXXX credit cards equals a lower XXXX XXXX because Experian could not figure out why XXXX would deny credit. XXXX promotional credit cards would not successfully be connected with Experian to showcase previous credit card closures was due to the consumer closing credit cards as if the consumer is trying to signup duplicate promotional plans is a fault against the consumer. XXXX credit cards should not be resulting in lowering of the XXXX XXXX if closed out and signing up for a new chase promotion would deny eligibility only because all chase promotions are connected as if there is a promotional-waiting-period to utilize XXXX credit cards again. Because Experian believes this is a XXXX XXXX conflict that the user would be wrongfully blocked from applying for other credit card applications other than chase. 

Experian needs to correct the XXXX XXXX on this CFPB Complaint per the wrongful decline of the XXXX XXXX is only attributable to XXXX promotional credit card-holding-period and not due to the fault of the credit history as if the consumer is wrong for signing up for XXXX credit cards and ending the credit card after achieving the promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX, has several names listed that are not me, will not remove them, also vehicles I have never owned and will not update info, they told me to delete it, so I did. Also I obtained a credit Card with XXXX XXXX thru XXXX XXXX XXXX, always made my payments on time, in XXXX I tried to login to my online account to make the payment, said my account didnt exist, I called XXXX XXXX XXXX XXXX they said they didnt know and they didnt handle it anymore, I called XXXX XXXX they said they dont know who to contact, they sold it to another company, never informed me of this until Late XXXX when I finally received a letter, I called and paid all past due and current balances, however they put against my credit, which was totally unfair, and now my XXXX card cancelled my card, due to UMB Bank putting against my credit, not fair to me at all, since I was never late on any of my payments, but tried to make the payment, but didnt know where or who to pay. I feel they ruined my credit and didnt bother to reach out to me, said they left several messages on my phone but I didnt get any messages, I did pay it once I received a letter from them, 3 months later. What a horrible way to do business, mostly due to XXXX XXXX switching companies without my knowledge. Please have them remove all negative activity on my account. 
Thank you
Product: Mortgage

My loan was recently sold to LoanCare from XXXX. My loan originally came from XXXX XXXX Mortgage and then my loan was sold to XXXX. The suspecious part of this is that XXXX XXXX XXXX owns LoanCare. I 've come full circle of shady feeling mortgage selling and buying. 

Anyhow, I was n't notified until 2 months after the fact that my loan had been sold to LoanCare. Fortunately they offer a grace period for such a thing. I eventually got set up through their phone system but they only offer robot voice attendants. I 've tried at least 8 times to contact them choosing various options but it does n't appear any humans work for LoanCare. I desperately want answers to my questions about PMI being paid off and can not get a hold of anyone. I 'm now trying to get answers through the parent companies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violations of : Permissible Purpose : 15 USC 1681b ; Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) REQUEST FOR THE CERTIFICATION OF ACCURACY I NEVER GAVE ANYONE CONSENT/PERMISSION TO REPORT OR GIVE ANY FRIVOLOUS INFORMATION CONCERNING ME. XXXX XXXX XXXX ( XXXX XXXX ). I NEVER SIGNED ANY CONSENT FORM TO SHARE ANY INFORMATION TO A NON-AFFILIATED THIRD-PARTY VIA ELECTRONICALLY OR WRITTEN. 
Upon obtaining a copy of my ChexSystems report, I discovered several inaccuracies, including entries from financial institutions with which I have no affiliation. Specifically, your records show Non-Sufficient Funds ( NSF ) entries or related activity on or around the following dates : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I contest these records as they are inaccurate. I have no relationship with these institutions and did not authorize the accounts, inquiries, or transactions associated with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting A tax lien that doesnt belong to me as XXXX2017 and wont remove it, XXXX is reporting XXXX XXXX XXXX as deliquent and XXXX XXXX as collection which are Hippa Law violations as well as child support that are 180 days late and deliquent XXXX And Transunion is reporting Child support Enforcement as of XXXXX2017 as delinquent and 180 days late as well as XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX all as charge offs these accounts are damaging and malicious and effects my ability to get loans and employment
Product: Mortgage

First of all I am responding to Consumer Financial Protection Bureau case number # XXXX and Wells Fargo Home Mortgage did not clear up my concerns nor did they answer any of my question. XXXX. I am not happy with the bogus letter I received with an answer that was unrealistic and not true in regards to the work out options that they stated I received. XXXX. My concerns with my mortgage increase from XXXX to the XXXX due to taxes increase but I received a letter stating it was escrow shortage ( which is it? ). Wells Fargo mentioned that it was a annual tax change in their response but I did not receive any communication or notification from them prior that the taxes went from {$1.00}, XXXX to {$1900.00}, which is a difference of XXXX extra a year which I was not given a choice or offer to pay in a lump sum prior to their response so that my mortgage could remain the same. Because they have mishandled my mortgage from the beginning I am very much concerns about any changes that are made to my account without proper notification in which I received no letter from them stating that.. As they mentioned in their response I could pay the XXXX in a lump sum which I will submit to them in hopes that my mortgage does not change and there is no more tampering. 

Secondly, as far as the workout options I received from them and the dates are bogus as well. There were rules set for me as to how many modifications I could received and was told many times I did not qualify even during COVID only payment arrangements were my options and the amount that was told to me with my income was outrages so let 's stop the lies in your response. Once again I was treated differently when it came to help from Wells Fargo and this is not hear say there is history as to how I was treated as XXXX XXXX Home owners. I do hope you change so we all can feel comfortable and equal. As far as discrimination there is no equal fair treatment and it has not been since the beginning when you took over my mortgage. 

The only resolve I received was a call from the Wells Fargo XXXX XXXX XXXX who stated Wells Fargo will honor the XXXX at the end of this month from the XXXX XXXX dollar settlement for how they mishandled my mortgage and all the fees and bogus accounts that was open in my name. I am hoping that Wells Fargo stay true to their agreement and not use that against me in any way to increase my mortgage or to retaliate against me going forward.