23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our mortgage was transferred from  GreenTree to DiTech Financial i n   XX/XX/XXXX   and was paid in full on   XX/XX/XXXX .  As per  DiTech Financials payo ff letter, our principal balance was {$13000.00} ; our escrow balance was {$1200.00} ; interest was {$34.00} good throug h  XX/XX/XXXX . Inter est per day was quoted as {$2.00}.  DiTech received a check on  XX/XX/XXXX  for {$13000.00}. DiTechs principal a nd escrow balances matched my recordkeeping.    Ditech mailed  an escrow check for {$1200.00}. Their check to us was {$58.00} short! I called the company o n  XX/XX/XXXX  to inq uire as to why our check was shorted {$58.00}. I was told it was because our payoff check was short and they took {$58.00} from our escrow to close the account. Knowing this was not correct, I asked for an explanation. The customer service agent agreed that the payoff was not short and stated she was sending our account to loan servicing for a review. I was told the same story on my subsequent phone calls  on  XX/XX/XXXX ,     XX/XX/XXXX  and  XX/XX/XXXX .    O n  XX/XX/XXXX , I mailed a certified letter to Ditech asking for an explanation. Finally, I received a letter from DiTech dated  XX/XX/XXXX  stating their records indicate the payoff was NOT SHORT and this account was paid in full and closed on  XX/XX/XXXX . The letter didnt say anything why o ur escrow check was shorted and didnt include a check for {$58.00}. The letter did state if I had any further questions or concerns, to please contact (  XXXX  )  XXXX . As such, I made more calls on   XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX . Again, I was told the same story, our account would be sent to loan servicing and I would receive a call back. It has now been 10 months and DiTech has failed to respond, has lied, and uses diversionary tactics. I am DEMANDING DiTech immediate ly send a check for the {$58.00} they owe us from our escrow account!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX I got a lease through XXXX XXXX ( an Uber subsidiary ) on XXXX XXXX XXXX XXXX XXXX. Before I took this lease I asked XXXX XXXX manager : Would this lease appear on my credit history in my credit report? The answer from XXXX Leasing manager was of course YES! So I started driving on this leasing vehicle on Uber platform. XX/XX/XXXX I returned this vehicle to XXXX XXXX. From XX/XX/XXXX till XX/XX/XXXX Ive paid for this leasing vehicle total {$13000.00} by weekly, payment amount of {$150.00}. All payments has been paid on time without any delay. But unfortunately I dont see any account/report in my credit history/credit report about this leasing vehicle after Ive returned this vehicle to the XXXX XXXX. When I took this lease the XXXX XXXX did only inquire through XXXX XXXX to run my credit history/report. But when Ive returned this leasing vehicle the XXXX XXXX didnt report to the XXXX XXXX or other credit bureaus about this lease as their XXXX promised me before Ive took this lease. Ive tried to communicate and resolve this issue directly with the XXXX XXXX managers and sent them few e-mails. But unfortunately Ive got an answer from the XXXX XXXX XXXX that At this time XXXX XXXX does not report to the credit bureaus. The only time we work with the credit bureau ( XXXX XXXX ) is when we review your application for the lease. Other than that, your payment history would not be reported. But when Ive asked the XXXX XXXX manager about reporting this lease to the credit bureaus before Ive took this lease the answer was YES. Whats that? If their manager had told me NO before Ive took the lease, I have gone to another leasing company and have taken another lease. The problem is the managers of the XXXX XXXX dont want to do report to the credit bureaus about my lease as they promised me before. But Uber company and the XXXX XXXX is not a small company. Its a huge company with many offices, thousands employees and its XXXX dollars company. They can afford to provide the reports to the credit bureaus. Also they provide very expensive leases for the vehicles. Just for 1 year 8 months Ive paid {$13000.00} for the lease of XXXX XXXX XXXX Its a huge money and I hope, that I deserved fair report about this lease in my credit history/credit report because Ive paid off this huge money for this lease. Please reinvestigate this matter as soon as possible. For supporting my position enclosed are copies of : - Motor Vehicle Lease Agreement Closed-End-With Arbitration Agreement ( two parts ) - Retail Installment Sale Contract Simple Finance Charge - DMV Registration Card Valid From : XX/XX/XXXX to : XX/XX/XXXX - DMV Registration Card Valid From : XX/XX/XXXX to : XX/XX/XXXX - XXXX XXXX Returning Form - XXXX XXXX Return or Transfer Excess Wear Inspection Report - Approvement of History of All Payments From XXXX XXXX Support
Product: Checking or savings account

My account with XXXX was closed in XXXX randomly I decided an email from XXXX stating my funds would be mailed to me in XXXX days. I called them last week after not receiving my funds for over a month and was told my fund were wired to an external account. It took me three different representatives to get any sort of confirmation number. I explained to the representative that I never linked any other bank accounts to my checking so I was clueless what account my money was wired to. They gave me the trace number and said to follow up with XXXX I called XXXX and they could not locate my account they used my social to pull up the wire since I dont have an account with XXXX the representative said the wire was sent back the same day to XXXX XXXX XXXX is saying they have no recollection of the amount of funds that were in my account either now.
Product: Money transfer, virtual currency, or money service

Hello I am a customer with U.S Bank almost one year with the same problem with adding my VISA Debt Card to XXXX XXXX I called visa and they said I need to call my issuer about this problem and they will NOT treat me fairly as a customer to their institution ( US Bank ) I told them that Text messages ( also known as SMS, short message service ) and email are both safe, .Which is XXXX i use and there encryption for XXXX is 256 bit encryption and the site clearly stats Information you send or get through the site is private and it uses HTTPS ( HyperText Transport Protocol Secure ) and the message for the codes to activate debt or credit cards are secure here are examples what it looks like from a users PC OR XXXX or XXXX or XXXX FIRST STEP https : XXXX XXXX XXXX : The code to verify Virtual Card The verification code to activate your virtual card in is XXXX, for debt card ending in XXXX. 
Please note that this code is temporary and will expire in 10 minutes. If you try entering the code and it has expired, you'll need to request a new one in  _____________________________________________________________________ Second Step Confirmation : Virtual Card Added to XXXX XXXX ( R ) Hi, XXXX, start using your new virtual card in XXXX XXXX ( R ) We're letting you know that the credit card ending in XXXX has been added to XXXX XXXX by you ( or a joint account holder or an authorized user ) on the device with phone number ending in XXXX. 
You now have a virtual card ending in XXXX that's associated only with XXXX XXXX. This virtual card is connected to the credit card ending in XXXX but has a unique number separate from the physical credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation took more than 30 days and haven't received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and identity fraud. After reviewing my credit report I noticed the inquries that I did not authorize. 

Discover Bank Inquiry Date : XX/XX/2018
Product: Credit card

First Progress is a secured credit card. I paid my balance in full and had not used the card in several months. I started to recieve statements charging me late fees and I did not understand what I was being charged for, and the statement did not have any information or purchase that I had made. When I opened the statement I was shocked to find late fees amounting to {$200.00} on the back of the First Progress statement states " if you think there is an error on your statement write to us at : synovus bank XXXX XXXX XXXX XXXX XXXX, TN XXXX so I sent a letter simply stating that I think there may be a mistake, because I had not used the card and wanted an explanation of the charges. I was sent back a copy of 3 statements that were identicle to what they had mailed. They did not give an explanation of the charges and included a letter stating they were closing my account and keeping my deposit. All i wanted was an explanation of what I was being charged for, they also state While we investigate whether or not there has been an error " that we can not try to collect the amount in question or report you as delinquent on that amount. As of XX/XX/XXXX I have not been provided with any explanation and I am not sure what " investigation '' was performed by them. They also violated my rights by charging me an additional late fees and kept my deposit. I have maintained the account since XXXX. Although I am fine with my account being closed, I still have not received any assistance with what i am being charged for and how they justified keeping the deposit. In summary First Progress has provided zero information to me regarding my balance or justification for stealing my deposit in response to me simply requesting information.
Product: Debt collection

XXXX XXXX XXXX used deceptive practices to issue an auto loan to me and my husband. After complaining to XXXX XXXX XXXX XXXX XXXX XXXX used Covid 19 Pandemic as an excuse to their predatory lending practices stating that the courts weren't open and further more lied by stating they pleaded with an Attorney to put a rush on having some documents signed. Not sure how many times this company has been deceptive to the public but we brought the XXXX in XXXX not XXXX so the information they are providing as an excuse is completely false. The full response is with the XXXX XXXX XXXX  XXXX XXXX XXXX and is completely false. XXXX XXXX XXXX XXXX originated this loan and then sold it to Credit Acceptance Corporation for monetary gain. XXXX XXXX XXXX XXXX did not act in the best interest of me and my husband as consumers but instead originated a loan so that Credit Acceptance Corporation could reward them with bonus checks for how much money the would be projected to make off me and my husband. Credit Acceptance Corporation uses software to project how much money they would make off of loans that are originated for consumers that could not offer them by tacking on unnecessary products/items. Credit Acceptance Corporation knew that me and my husband could not offer this loan through probability factors but still accepted it knowing that we would default, messed up credit score and ultimately end in reprocession ceasing wages and having to start the rurally cycle over because at the end of the day consumers need vehicles no matter what credit score, they have. CFPB and New York Attorney General are currently XXXX XXXX for being deceptive to consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early Warning Services is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ) and are effectively damaging my consumer reputation. All corresponding documents are attached to this complaint
Product: Credit reporting or other personal consumer reports

Dear CFPB In addition to my previous communication per FCRA 605 ( b ) I would also like any hard inquiry deleted from my credit reports as well. All accounts are a part of my Identity Theft I am requesting to have each bureau delete with 4 days. 


I am contacting you regarding my the credit reporting bureaus regarding my credit reports. I unfortunately, learned about several accounts that is on my credit file that I have no idea of. I have NEVER opened any of the mentioned accounts and I was a victim of ID theft and asking that they BLOCK/DELETE and remove the accounts to discontinue tarnishing my credit. I have included my FTC Report listing the accounts and account numbers. I HAVE REQUESTED EACH DATA FURNISHER TO PROVIDE MY ORIGINAL APPLICATION AND I RECEIVED NO RESPONSE. 

XXXXXXXX XXXX XXXX XXXX  AND HAVE BEEN OVER 7 YEARS PLEASE DELETE XXXX {$330.00} XX/XX/XXXXID THEFT # XXXX {$990.00} XXXX ID THEFT {$2600.00}XX/XX/XXXXXXXX {$1000.00} XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX issued by XXXX XXXX has reduced my credit limit from {$4000.00} to {$1000.00} without notifying me which has resulted in a drop of 30 points to my credit score [ XXXX  & Transunion ]. When I tried to contact XXXX XXXX  the representative could not provide me with actual details why was not the consent taken from the customer esp for a decision that would negatively impact the Credit score. I would request CFPB to review this and consider adding regulations to help consumers from such predatory practices of banks. I think we should be clear to apply the same kind of rules that exists for an entity that checks consumers credit report be applied when they make decisions that would negatively impact their credit score.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed entries related to transaction history that I believe are not relevant to my creditworthiness. 

I would like to bring to your attention that reporting transaction history, as opposed to credit-related information, may not comply with the Fair Credit Reporting Act ( FCRA ). I request a thorough investigation into the accuracy and relevance of these entries.

The transactions in question do not reflect my creditworthiness and may not be legally reportable.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credence Resource Manage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Debt and Revocation of Communication Consent To Whom It May Concern, I am writing to formally dispute the validity of the debt that your organization claims I owe, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. Please consider this letter a request for verification and validation of the alleged debt and a revocation of consent for communication as outlined below.

Dispute and Validation Request : Under the provisions of the FDCPA and 12 CFR 1006.34, I am requesting the following : Validation of Debt : Detailed information on the debt as required by 12 CFR 1006.34 ( b ) ( 5 ) and 12 CFR 1006.34 ( c ) ( 4 ) ( i ), including the amount of the debt, the name of the creditor to whom the debt is owed, and an itemized statement of the account.

A copy of the purchase agreement between your organization and the original creditor as evidence of your right to collect this debt.

Proof of Licensing and Bonding : Verification that XXXX XXXX XXXX is licensed and bonded to collect debts in my state as required by law. Please provide documentation that demonstrates your compliance with these legal requirements. 
Revocation of Communication Consent : Under 12 CFR 1006.34 ( d ) and 15 USC 1681-52 ( 7 ) ( A ), I hereby revoke any consent I may have previously given for your organization to communicate with me through the following means : Email Text messages Phone calls All future communications regarding this matter should be conducted through written correspondence sent to my mailing address listed above. Failure to comply with this request may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory bodies. 

Conclusion : Please note that this letter serves as a formal dispute and request for validation of the debt you claim I owe. Until you provide the requested documentation and evidence, you should consider the debt to be in dispute and cease all collection activities. 

Thank you for your prompt attention to this matter. I expect a response within 30 days from the date of this letter. If you fail to respond within this period, I will consider the debt claim to be invalid. 

Sincerely, XXXX XXXX
Product: Mortgage

CitiMortgage gave me the run a round on the short sale on my home I had to do because of severe financial distress and job loss. They kept asking for the same paper work over and over acting as if they did n't get it. It caused a foreclosure of almost 7 years ago -- when a short sale would have worked. I have evidence as I used a short sale expert broker named XXXX XXXX and he can attest to the stonewalling and complete run around. <P/>XXXX XXXX XXXX
Product: Debt collection

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Macy 's account that was open XX/XX/2015. No payments were made and the account was closed. Currently reporting that payments were made and incorrect close dates. I have attempted to contact Macys as well as dispute the account with XXXX and the debt continues to come back validated. When I inquire about the account I am sent to an address for customer care because the account is so old they are unable to pull up any information on it. The account is reporting as a balance unpaid when they report that they charged off the debt and transferred it. When XXXX reaches out for validation they respond that all information is correct and continue to update the account on my report.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  bank XXXX Bank XXXX Information is not accurate on my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, Kentucky XXXX Date of Birth : XXXX Last XXXX of XXXX : XXXX XXXX Dispute of Unauthorized Credit Inquiries. To Whom It XXXX Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX. XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. Request XXXX request that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. Enclosed is a copy of my identification to verify my identity. I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation. The inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith.. Here I attach, along with the dispute, my fraud report that I just sent to transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. Best regards, XXXX XXXX XXXX