23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our house sold and the loan was paid in full on XX/XX/2021. There was a positive balance in escrow. The company ( Hancock-Whitney Bank ) claims the check was mailed on XX/XX/2021. Despite Forwarding orders with USPS and frequent contact with the new buyer, the check was never received. On XX/XX/2021, the mailing address was updated to the new mailing address and a new check was requested. Multiple requests/contacts with the company resulted in a different date when the new check was mailed or would be mailed with each contact. This matter was escalated to Supervisors multiple times ( XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 ). A local branch Vice President was also contacted to no avail. The projected date the new check would be mailed is being advanced 2 weeks with each contact - as of today it stands at XX/XX/2021. That is XXXX after closing of the loan. 

We requested multiple times for the check to be sent overnight at our cost but are being told that this is not possible. 

The Closing attorney informed us this is standard practice of this lender, and all of his customers have problems getting their escrow money back. He was unable to offer additional help. 

It is unacceptable that this is taking more than 90 days under the guise that the department is backed up. 

We believe the initial check was never sent as we received other mail from the same company in the same time frame without any problem. 

This company should be investigated for fraud related to their handling of escrow accounts.
Product: Credit reporting or other personal consumer reports

It shows that I have a couple of credit cards on my credit report i've never applied for these credit cards I don't normally check my credit report every single month or year cause I don't lose my credit like that I have requested and sent out a letter to each credit bureau and each creditor requesting documents to validate this debt and I have not received anything to show proof all I have received is an update from the credit bureaus saying that this debt is validated and is accurate as I believe this is false I know by the law of the credit bureau they are requests to validate this and to show me proof of validation and I have not received anything it's been over three months and I know they have only 30 days to validate this account or that account needs to be deleted and nothing has been done
Product: Credit reporting, credit repair services, or other personal consumer reports

AN INVESTIGATION INTO THIS COMPANY WAS OPEN WITH EQUIFAX IN REFRENCE TO THIS UNVERIFIED ACCOUNT. THE COMPANY ALSO HAS BEEN NOTIFIED BY CERTIFIED MAIL AND HAS NOT YET REPSONDED. EQUIFAX AND THE ALLEGED CREDITOR IS REPORTING SAME ACCOUNTS TWICE WITH RESETING THE TIME AS FOR THE DISPUTE AND ACCOUNT AGE AS WELL TO DOUBLE REPORTING. WHILE IN INVESTIGATION. IM SURE EQUIFAX IS AWARE OF THESE VIOLATION. AS WELL THEY CONTINUR TO REPORT MY NAME WRONG FOR I HAVE SENT THEM INFORMATION REGUARDING MY TRUE IDENTITY, FOR I DO NOT HOLD AN SR,
Product: Credit card or prepaid card

Received Kohls ( Kohls/CAPONE ) credit card I did not apply for to my knowledge. My XXXX  report showed several " hard '' inquiries for the Kohl credit card - all dates were in close proximity to dates I had made purchases online ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ), the card was issued XX/XX/XXXX. Is it possible to " automatically '' apply for a credit card without my direct knowledge without filling out an application form? I disputed card via XXXX  & it came back as " valid. '' Not sure how this happened. I have no idea how this " application '' was generated or approved. Deceptive practices?
Product: Debt collection

If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Product: Credit card

I used my Wells Fargo XXXX XXXX card ( now ending in XXXX ) to pay for body work on my XXXX XXXX in XXXX of 2024. My car was in an accident and at this shop in XXXX, Illinois for nearly XXXX months. XXXX XXXX XXXX. 

While my car was in the shop being worked on, one of their associates placed a heavy piece of machinery in the back seat of the vehicle damaging my leather. The shop immediately ackowledged their negligence and asked me to return in a few weeks. 
After repeated calls and having my calls go unanswered, I paid them a visit. It turned out that the shop had recently transitioned to a new management team and this new team was unwilling to help. 

I then reached out to Wells Fargo and submitted a claim for the {$1000.00} charge. A few days later a representative reached out and informed me that they would not be looking into the claim for me and closed the claim.
Product: Credit reporting or other personal consumer reports

I sent a letter last XX/XX/XXXX to delete all negative items in my credit file that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove all these information not later than 4 business days. Ive already included this in my previous complaint & I am including it againXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Payday loan, title loan, or personal loan

Someone is purposely changing my bank information and using it all the s year.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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.
Product: Debt collection

I have no knowledge of this Account, it was opened as Fraud and is showing on my Credit report as a Collection, please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX
Product: Credit card or prepaid card

The prepaid company suspended my account but also took in a deposit of mine sent from my insurance company
Product: Debt collection

I did, about a year ago, have an XXXX XXXX account. However, this company does n't have my correct address. They called my sister, my daughter, and my ex ( who I have n't been in contact with in 15 years ) and told all of them that I needed to contact them immediately or I would be sued. The messages were automated and the name of the " rep '' was XXXX XXXX. I believe this company is actually a scam and not a legitimate debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 and XX/XX/2022, I sent XXXX a request to reinvestigate incorrect items which were listed in my credit history report. There was a collection for XXXX no orginal creditor listed just LVNVFUNDG. I asked for verification and reinvestigation. They updated comments saying that i dispute the account but nothing was corrected. I also reached out to the collection agency and recieved nothing back. I contacted them twice. Please note that i sent mail to LVNV certified becuase i didnt get a response. The traccking number with USPS is XXXX
Product: Money transfer, virtual currency, or money service

I have an account with paypal, on XX/XX/XXXX, i requested {$150.00} out of my balance with them to be transferred to my linked checking account with XXXX XXXX XXXX Paypal apparently reduced this amount out of my available funds balance and shows the transfer to have been completed. 

However my bank never received this money as late as today, XX/XX/XXXX As a result my money is now neither with Paypal nor in my Banks checking account and im unable to use money that is rightfully mine Telephone calls made to Paypal multiple times have not resulted in any satisfactory action or resolution and the customer service reps at Paypal are simply not able to offer any reply to this
Product: Credit card or prepaid card

My Costco Citibank credit card has a cash back reward program. They send a check that must be redeemed for cash or check in the Costco store. As a result of Covid, I do not go into Costco. I fall into a high-risk category and isolate at home. I contacted Citibank to see what accommodation could reasonably be made in the term of a account credit or mailing a check that can be negotiated through my bank. They refused to make any accommodation, and stated that as a matter of policy, they were requiring individuals to go into the store to cash their check. During Covid they shouldve made a reasonable accommodation to my XXXX, this policy is both unfair and abusive. Citibank has many alternatives available to them to provide relief to the consumer and allow them access to their much-needed funds. I do believe that this deceptive policy has been put in place to limit the payouts under this program as the funds will expire at the end of 2021. I asked them for an accommodation and they refused, I further asked them to register my complaint for their internal system. I asked if it were possible for a family member who I designated with appropriate ID, I could make this transaction for me and they stated that I had to be there in person. There is no ability to retrieve my funds without my physical presence inside their store I asked for an escalation of this problem to a superior, and they said there was no escalation opportunity. I am requesting that the CFPB include this complaint in their review of Citibank Covid response and customers forbearance efforts.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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
Product: Debt collection

Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report/collections, and only report accurate information. I request all verifiable proof you have on file for the late payment listed on the following account with original signatures, no photo copies. Due to having identity theft, I'm requesting that all interactions and correspondence be done through postal mail and not through phone calls and email. My identity and finances have been compromised and I can not have any communication through phone calls or email. I have police reports showing that I have been compromised in my bank account and in my credit.
Product: Debt collection

I've written the company and asked for the original contract with my signature, the creditors information, an itemized billing associated with the account and billing history and proof of ownership. None of these were provided by the collection agency.
Product: Checking or savings account

I have had issues with ID theft for several years. The ID thieves keep trying to access my bank account. I was instructed to go in branch and show Identification to unlock my account after suspicious activity. So I did. I was then told that I had to come back tomorrow because their fraud department was closed by the time I was helped at the branch. Although I showed several identifications they still would not allow me access to my account. They were giving me an ultimatum to change all of my account information or remain locked out of my account. This was not necessary because none of my account information was accessed. I almost thought I was going to have another XXXX XXXX because of this stress.
Product: Credit reporting or other personal consumer reports

Reporting miscellaneous wrong variations of my name & multiple addresses reporting.
Product: Mortgage

I received an offer to refinance that included a free appraisal. After I provided sufficient personal information, employment details and home details I was contacted and told that based on a XXXX value they are unable to proceed and pay for my appraisal. I feel I was discriminated against and discouraged from continuing the application. This practice is abusive and deceptive.
Product: Debt collection

on XX/XX/XXXX at XXXX XXXX I ( XXXX XXXX ) received on my cell phone a call from XXXX ( which is a local call out of XXXX XXXX, OK ). The recording stated " there is a complaint against you and we want to rectify the complaint, please press 1 to take care of the complaint before it goes any further. 
I pressed 1, then a lady came on the phone and asked for XXXX XXXX ( which is my husband ) she stated there was a collection from City Bank  that has gone into collection ( this has nothing to do with a complaint ) it was a collection call. This was very misleading. I know my husband has not had a citi bank credit card since XX/XX/XXXX. she stated the last payment that as made was in XX/XX/XXXX, which I know is incorrect, because he was very ill then and was not taking care of his debts, he has XXXX and has not control over any credit cards. I myself filed bk on all the credit cards in XX/XX/XXXX. And all the credit cards were destroyed in XX/XX/XXXX. No additional payments were made on the card by him I know and I had not paid any payments on the account. I ask for proof that the card had payments on it and she just stated that she was going to collect on this debt and she would damage his credit and sue or we would have to provide her information on our property. First off the call was misleading stating there was a complaint, 2nd she had no business talking to me about his debt when I was not on the card and I advised her he was in a XXXX XXXX ( he is XXXX yrs old ) she would not provide me with any documentation, claim number or their address. She just made threats and stated she would be collecting on this account, I stated Good Luck and she hung up.
Product: Credit reporting or other personal consumer reports

According to XXXX XXXX XXXX XXXX, XXXX, Transunion and XXXX is supposed to ensure maximum accuracy. This account violates these laws, 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. Delete this account immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Balance {$4900.00} Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX OPEN : XXXX BALANCE : {$10000.00} XXXXXXXX XXXX XXXXXXXX ACCOUNT # XXXX XXXX XXXX INQUIRY : XXXX XXXX XXXX  Date : XXXX INQUIRY : XXXXXXXX XXXX XXXXXXXX Date : XXXX Please Help Me Reinvestage These Accounts I Seen A Few Errors on My Report and These Accounts Wasnt Open Without Permission Or consent Please Help Me Contact The Creditors And Request Written Documents And Permission Signature From Me This Is A Voilation Of My Consumer Rights And This Needs To Be Handle Accordingly. PLease HELP ME CHANGE THE ADDRESS ON MY REPORT.. 

FCRA VIOLATION BY FCRA LAW CODES : CREDIT REPORTING AGENCIES HAVE TO REPORT ACCURATE INFORMATION ONLY On A CONSUMER REPORT ( 15 USC1681B ) ( 15 USC1681N ) -ANY WHO OBTAINS A CONSUMER REPORT FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES OR KNOWINGLY WITHOUS A PERMISSIBLE REPORTING AGENCY FOR ACTUAL DAMAGES SUSTAINED BY THE CONSUMER REPORTING AGENCY OR {$1000.00} WHICHEVER IS GREATER..
Product: Mortgage

To Whom It May Concern : A short sale request was submitted in XXXX XXXX to servicer Chase bank. They kept losing documents and after 7 months, we received a short sale approval on XXXX XXXX, XXXX. 
The buyer was tired of waiting so they walked. A second buyer contract was submitted to Chase and Chase decided we needed to start process all over again. Per guidelines established by hmpadmin.com, it clearly states, '' fixed termination date not less than 120 calender days from the effective date of the shortsale notice ''. This means the approved net is good for 120 days on HAFA short sale notice. The correct way of handling the XXXX buyer is creating new approval letter with new buyer name as long as net is equal or higher as original approval. Chase erased all old Equator emails and started a whole new email line so it would show as a new file. This file is out of complaince due to not following their own HAFA Chase XXXX timelines. I have an all cash buyer ready to close in 7 days. All I need is an update approval letter. Please assist me. I have tried everything and no one at Chase will assist me XXXX buyer is hanging by a string. 
Time is of the essence Your assistance is greatly appreciated, XXXX XXXX ( Realtor on behalf of seller )
Product: Other financial service

Financial aid Services was the company that processed my student loans. They told me to give them all my information and they would send my loans to be consolidated and then would process forgiving a large portion because I was unemployed at the time. They did n't do any of that. Everything was done through the phone and they tooknow my social security, my drivers licence, date of birth and my bank account number and wanted my immediate signature to process some information. I was directed to a website so I do n't even have anot email. All that I do have is that if the processing did n't go through and I did n't receive XXXX welcome packet in the mail, to contact XXXX at XXXX. I later started receiving automatic deductions from my bank account that I thought were paying off my student loans. The payments were to " Special Financing Company LLC ''. I only found out it was fraud months later because myou Fed loans bill came and my balance is much higher than it was supposed to be. I was unemployed and totally depressed. How do they do this to so many people and sleep at night?
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Texas, XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with XXXX, this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation. 

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy. 

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files. 

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the 30-day timeframe required by law. 

Sincerely, XXXX XXXX XXXX