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

My first call to them was on XX/XX/XXXX about where my bonus was from opening the checking account with them. The nice lady told me that I met all the guidelines for getting the bonus and I should have the bonus at the end of XXXX when my 3rd statement comes in. She told me that if I dont get it by the end of XXXX to call back. 
I called back on XX/XX/XXXX and let the rep know that I still have not received by bonus for opening the checking account. 
She kept me on hold while she did her research. Comes back to give me some canned response saying they have to research and it can take up to 30-60 days to conduct the investigation! 
It is now the XXXX. No bonus that was promised and no call or anything from PNC. 
They need to give me my bonus for opening the account.
Product: Mortgage

Please explain why you needed me to provide blank leases off the internet and just sign then during the formation of the mortgage XXXX
Product: Vehicle loan or lease

I contacted Exeter Finance to make a payment last year from a family members phone. They asked me for consent to auto dial I told them no. They asked for a phone number I told them I did not have a phone number at the time and was using a family members phone. This phone number does not belong to me. The agent proceeded to take the phone number from their caller ID and add it to my account despite me advising the phone does NOT belong to me. Fast forward to this year, they called my family member on XX/XX/2023. On this date, I again told them this phone does not belong to me and requested a cease and desist. The agent entered the request and transferred my call to another department. I asked the agent who answered my call if the notes indicate a cease and desist request on this phone number. She assured me that it does reflect that. I again explained that this particular phone number is not mine and to not call my family members on a phone number that I never gave them regarding my debt again. She assured me that request was submitted. On XX/XX/2023 at XXXX XXXX they called my family member regarding my debt again despite me never providing their phone number nor giving them permission to use it, and then requesting a cease and desist on the phone number. The company has a valid email address to contact me which is the best method of communication and they use it. They have no reason to call someone else regarding my debt. They can discuss that with me directly. My family member did not sign anything regarding this loan. The phone number my family member has was not even in service when I signed the loan, therefore it was never used as a reference. They had absolutely no permission to put that number on file for any reason. This has caused me undue stress as my family has no business in my finances.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, A ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I have been called every day around XXXX about a cellular phone debt that I do not have. I never did any business with the phone company in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday, XX/XX/2020, I, XXXX XXXX, received an alert that my credit score decreased 95 points. I immediately called XXXX XXXX at XXXX to report that I don't have a mortgage with them. I was instructed to call their subsidiary XXXX XXXX at XXXX. The representative # XXXX was advised that the information does not belong to me, the information is incorrect, and the information has adversely affected my credit. She asked for my demographic information and stated that the address I had given did not match their records. I advised that I had given her the only addresses that I have ever resided and she rudely stated that I should refer to my original paperwork. As if I don't know my own address! 

I requested to speak with a supervisor, a member of the legal team, or someone in the fraud department. The agent continued to speak down to me as if I were attempting to access someone else 's information. Despite my telling her that the adverse information was recently fraudulently reported ; and, that I have no mortgages with them she insisted that she could not give me any information because the information did not match her records. As an informal resolution, I asked to speak to a supervisor thinking that they would resolve the matter in good faith. Upon further review of the company online, I noticed that they have a history of violating FCRA rules and reporting erroneous information. The account reported has an opening date from 23 years ago! Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX XX/XX/19 XXXX XXXX XXXX Credit Card Account Ending In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Dear Consumer Relations : After receiving and reviewing the results of a recent disputes sent to you, I am now requesting the method you used to verify certain items on the credit file, XXXX XXXX XXXX Credit Card Account Ending In XXXX. FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states  that upon request you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I am requesting this for the following accounts : XXXX XXXX XXXX Credit Card Account Ending In XXXX As stated in FCRA 611 ( a ) ( 7 ) you must provide this information no later than 15 days after receiving this request. Any automated response or XXXX verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. Sincerely, XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I entered a contractual agreement with XXXX XXXX and XXXX XXXX Ga unbeknownst to me my credit was extended to Global Lending Service LLC. Payments were made in a timely manner for XXXX plus consecutive months until XXXX. It was then the loan ( security ) became delinquent, even though the world was in a crisis GLS Financial Services still felt the need to issue a repossession on my vehicle. I then reached out to the CEO at that time XXXX XXXX XXXX via XXXX. He read all messages but failed to respond. at this time i Made XXXX XXXX aware of the violation of my rights due to the fact i am a XXXX XXXX XXXX. I then regained possession on my vehicle and filed all necessary documents to show i am a XXXX XXXX. Again, that was overlooked by this corrupt Cooperation and my vehicle was repossessed again in XXXX, With me addressing the issue and involving the state attorney general and other state officials XXXX XXXX decided to respond ( emails are attached ). as you can see by my credit report this account is closed every year during the Physical year turn-around. This company has not only violated my rights under the constitution, but also the Uniform Commercial Code. My vehicle has be repossessed XXXX times and the extension of my credit has be dishonored because of this Company. The Financed amount was {$19000.00} as of today XXXX XX/XX/XXXX the loan amount is {$24.00}, XXXX. XXXX has involved third party companies to go onto Private Property and take My Private Property which is my vehicle which has Private D.O.T Private Property, Private Traveler license plates which is held in a Private Trust. D.O.T number XXXX. This is the Third time my property has been taken unlawfully and attempted to be sold at XXXX XXXX XXXX. I have advised these third-party companies of the violations that have been committed, this has caused a tremendous amount of stress, Pain, and suffering for me and my family. A full Investigation will be done to audit this account and all other GLS auto receivables trust accounts, GLS Auto Receivables LLC, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Please see the attached NOS that was emailed on XXXX XX/XX/XXXX, but the XXXX is dated for the year XXXX. It has come to my attention that you have been giving full disclosure in this matter since inception of the contract. According to the list of laws you have violated and broken 15 usc 1605 ; 15 usc 1666d ; 15 usc 1692d ; 15 usc 1692f ; 15 usc 1692e ; when you involved third party companies to steal my trust property. It has also been brought to my attention that GLS did not/ have not received injury or suffered any loss. In fact, you have been reimbursed for my property numerous times after acquiring it from you, when you continued charging off the loan and reinstating the so-called contract all the while youve received a promissory note and I know no loss was acquired by GLS on the account that it was never reported to the XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX is reporting a WRONGFUL COLLECTION ON MY CREDIT REPORT. Act # XXXX date of default was in XX/XX/XXXX and in accordance with FCRA collector does NOT have the right to report after 7 years from the date of default .... After contacted XXXX on numerous occasions they ignored my requests and now agressively attempting to collect debt I don't owe in first place ... Representative stated 7 years would be up on XX/XX/XXXX which is a lie, they reported exp date to Exp as XX/XX/XXXX which is also a lie and XX/XX/XXXX to XXXX also a lie ... After speaking with operations manager AGAIN requesting removal of this account that does NOT belong to me ( last name on the account is XXXX ) my last name is XXXX, he asked for my ss # and stated he would ADD it to the account which is NOT what I asked for and this should NOT be legal to do ...
Product: Debt collection

Good afternoon, Continental Credit is currently reporting the collection of an account that I have no knowledge of. I have called and provided all of my personal information in an effort to understand why/how I 'm responsible to no avail. I am currently going through law enforcement background check and fear that this collection error will smear my character. I kindly ask that this matter is quickly addressed. 

thank you, XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax and XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax and XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I got sued by my landlord for electricity bills and the matter got settled and fully paid. Several months later a company called XXXX which is based in Texas and provides the service of splitting electricity bills among roommates, that company filled for collections of an electricity bill. 
The company does not have ownership of that account nor did they ever pay the electricity bill nor is it within their services. Whenever a bill is not paid, it is forwarded to the landlord who in turn collects their debt since they are the ones who actually pay the city for electricity Bills. 
The claim is completely fraudulent and after contacting XXXX several times thy still refuse to remove the collections claim even though they never paid the bill nor do they that.
Product: Credit reporting or other personal consumer reports

I am writing to express my concerns regarding several issues I have encountered with the credit bureau, including unauthorized inquiries and inaccuracies in my credit report. I did not authorize these inquiries, and they are negatively impacting my XXXX XXXX.
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 15 USC 1681. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account XXXX : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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: Debt collection

CHARGED OFF ACCOUNT ( not bankruptcy account ) XX/XX/XXXX Navy FCU withdrew {$1400.00} from my savings account for a " disputed '' debt ( late fees and interest on late fees ) NFCU charged off. Navy FCU did not contact me prior to withdrawing the money. I became aware of the withdrawal when I received a letter a letter thanking me for paying off the account. 

When I contacted Navy FCU 's collection department I was told that the money was in the account and I owed it. 

Below is a screenshot from my account showing the withdrawal : XX/XX/XXXX SAV ADJUSTMENT XXXX XXXX XXXX - {$1400.00} Below is a screenshot from Navy FCU credit score dashboard showing the charge off : Account Charged Off XX/XX/XXXX An account has been identified as Charged Off. This account was either charged off as a loss by the company with whom you had credit, or that the account was sent to a collection agency for payment. 
Subscriber Name NAVY FCU New Charge Off Date XX/XX/XXXX https : //www.creditviewdashboard.com/cvd/ # /alerts I disputed the account and refused to pay because Navy FCU WOULD NOT acknowled that charging interest on late fees is illegal ( not disclosed on loan disclosure ) and WOULD NOT give me a breakdown of the late charges total and the interest total so I could pay the late charges. I filed a complaint with CFPB but CFPB did not investigage this fees violation and just sent me Navy FCU 's response to the complaint. CFPB did not request Navy FCU to respond to my request for the breakdown. I do know that in mortgage lending it is illegal to STACK FEES. 

I'm am hopeful this NEW complaint will be investigated.
Product: Checking or savings account

I clicked a link on XX/XX/2021 to open XXXX checking and savings accounts. The terms stated that if I deposited > {$200000.00} within 30 days and maintained that balance for 60 days, I would receive a {$1500.00} bonus within 90 calendar days.

I deposited {$210000.00} between the two accounts on XX/XX/2021 and have maintained the balance since then. I called over the summer and an agent confirmed that my account was eligible and I would receive the bonus by the end of XXXX. 

Having not received the bonus I called again on XX/XX/2021 and the agent confirmed the promotion was linked to my account and I should have received the bonus. They opened an internal case and was told I'd hear a response within 5-7 days. 

On XX/XX/2021, I called back and the agent said there was no record of the promotion being tied to my account and also no record of my call on XX/XX/2021 ( which I received an email survey asking me about ).
Product: Mortgage

I have a conventional loan with Caliber Home Loan. I have never been late or missed a payment. I began the process of refinance around XX/XX/XXXX. I submitted proof of income, 6 months in reserve using savings & retirement ( XXXX & Deferred comp ). 

I spoke with 2 loan officers. 1 stated, I needed a PMI, 2nd officer stated I would not qualify for a refinance that would include paying off the 1 credit card balance ( XXXX ) I received a conditional letter of approval for an amount that I latter found out was for a refinance w/o out paying off the credit card, and the new monthly payments would only be a {$50.00} savings. Neither loan offers was aware that I received the conditional letter. 

This is not my first mortgage experience with this organization, but this has been the Worst. Both officers provided contradictory responses. 

I have been told that because my house value was not high enough over $ XXXX ) that I do not qualify because of my XXXX debt which is XXXX in under a Administrative forbearance. 

I submitted proof that when the Administrative Forbearance is over my payments will not be 1 % of the loan ( $ XXXX ). My payment have Never been {$940.00}, I have always applied for a IDR. 

This complaint is being written because of the confusion. When I initially applied for the refinance, it was because I received an email stating that there would be no lending fees.
Product: Debt collection

What happened ( statement of pertinent facts ) : My Name : XXXX XXXX My Social Security Number : XXXX My Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at An auto loan account opened at XXXX XXXX XXXX XXXX ( Private account number ) date opened : XX/XX/XXXX ). A credit card opened with XXXX XXXX XXXX ( Private account number ), date Opened : XX/XX/XXXX. A collections account listed with a company XXXX  ( Private account number ) date opened : XX/XX/XXXX that appears related to the aforementioned personal loan account opened at XXXX XXXX. A collections account listed with a company XXXX XXXX XXXX ( private account number ) Date opened : XX/XX/XXXX that appears related to the aforementioned credit card account. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) and ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigated. How is that possible if the open date is incorrect, the date last active is incorrect, the date last reported, and other data is not accurate? This is grounds for removal of the account, they also violated my rights under : 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 an account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation, here is my certified mail tracking : XXXX - XXXX XXXX - XXXX Experian XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account XXXX I received a copy of my credit report. I noticed that you are reporting this account incorrectly. The payment summary is not accurate at all. The following Dates are inaccurate, For the year XXXX XXXX is reporting XXXX, 90 days late, XXXX is 120 days late, XXXX is 120 days late and XXXX is 180 days late. EQUIFAX is reporting XXXX 90 days late, XXXX  120 days late, XXXX 120 days late and XXXX is reporting PAID ON TIME. XXXX is showing NO DATA CHARGE OFF AS BAD DEBT. Therefore is inaccurate credit reporting. According to the FCRA, I have the right to an accurate credit report .Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completing
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a notification that I had applied for account with XXXX  prosper when I have never applied for this bank or account they need to remove their inquiry from my report immediately!!!