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

I deposited a birthday check from my grandma in XXXX on XX/XX/XXXX and it seemed to go through just fine so I went on my way. 
XX/XX/XXXX I recieved a letter saying it was invalid. ( although I have been depositing the same checks without incident since I got my bank account in 2019 ) XX/XX/XXXX I went to the bank after being on hold for over 55 minutes to try and talk to someone to help me out. I talked to the manager to fix the problem. I thought he would be able to see the recent and previous foreign check deposits I've made. He said he was unable to find any records of my recent deposit, but he said he would have someone take care of he problem the next day and I would recieve a call. 
Both of those things did not happen and they kept blowing me off for weeks. 
XX/XX/XXXX I went with my mother like the initial visit and they claimed there was nothing they could do at their location. The manager said that the back offices and foreign currency department could handle the problem. He insulted my mother after she explained how she did accounting. Saying " That's how things were done in the XXXX and XXXX, but not now. '' Or " That's a stupid way of doing it. '' He even told us to stop making a scene. And that foreign checks are a gamble and other countries ' banks don't work well with each other. After he told us to call the customer service hotline again, he went back into his office after just saying " Goodbye. '' I just want my birthday money
Product: Mortgage

The company I am receiving a loan from failed to add the closing costs of the transaction to the loan after I specifically requested that they do so. 

On XXXX XXXX, I discussed with my realtor that the closing costs would be difficult for me to cover and that I would like to add it to the loan. He spoke with the loan depot representative and they said it would not be an issue and relayed to me that it would add {$8.00} to my monthly rate, which I was absolutely fine with. 

On XXXX XXXX, however, there was an update appraisal on the house, noting that it was {$10000.00} less than the asking price. The seller agreed to the new price and new documents were made, however Loan Depot failed to add the closing cost we'd discussed on the XXXX to the new loan and failed to inform me and to run down the new rates before the closing signing occurred on XXXX XXXX. 

All documents were signed, in what felt like a very rushed manner and in a way I did not feel I had adequate time to review at XXXX on Friday, and after I left the building with the keys, my realtor called me to inform me that there was an issue, that {$2100.00} that I'd requested to be added to the loan was not added, and I would have to wire come up with this money and pay the closing cost.
Product: Debt collection

CAINE & Weiner at XXXX XXXX XXXX XXXX XXXX CA XXXX has been sending me collection notices in the amount of {$910.00} the collected has been reported as past due. I do not know this company. I have never done business with this company. This company does not have a contract bearing my signature.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent a dispute letter requesting Equifax to remove inaccurate information pertaining to my credit report including outdated addresses and incorrect versions of my name. As of XX/XX/2024, the following addresses XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX are still appearing on my consumer report and should not be and there is not law which permits these addresses to remaing reporting on my consumer file after I've requested their removal. 
Also the names XXXX XXXX XXXX XXXX XXXX XXXX are inaccurate and should not be listed on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please correct/remove the late payment in XX/XX/2019 for 30 days. I don't recall being late on this date because I was checking my bank account and noticed that the money was always drafted from my account religiously and it's impossible to be even a week late
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported these hard inquiries to XXXX as fraudulent from these companies and they have not yet been removed. I did not authorize any of the following inquires and I have a police report attached showing that my identity was stolen. Please remove the following inquires from my XXXX credit report : XXXX XXXX XX/XX/2021 Global Lending Service XX/XX/2021 XX/XX/2021 XXXX XXXX XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Checking or savings account

My wife and I have been trying to close our checking accounts with Huntington Bank since XX/XX/XXXX. After withdrawing our money on XX/XX/XXXX, the account did not close. 

I called on XX/XX/XXXX, and they told me that it was " waiting to close '', and that I should wait longer. 

I called again on XX/XX/XXXX, and they said it didn't close because {$0.00} and {$0.00} worth of interest was deposited in the 2 accounts after the closing, preventing them from closing. They then told me to wait 7-10 more days. 

They then removed double the remaining funds from each account, making the balance go negative and started sending us Overdraft notices. 

I called again on XX/XX/XXXX, and they told me to continue to wait. 

I just want to close these accounts!
Product: Debt or credit management

On XX/XX/XXXX I signed on with National Debt Relief to reduce the amount of credit card debt I owed. I was told they could negotiate with the credit card companies to reduce the amount due ( {$22000.00} ) to ( {$17000.00} ) reducing my total debt. My total debt owed was used to calculate a monthly payment ( {$360.00} ) that was to be held in an account while they negotiated with creditors. By XXXX of XXXX National Debt Relief had only negotiated on XXXX of the XXXX accounts enrolled in the program and I had paid a total of {$2800.00} into the account when I decided to un-enroll from the program realizing I was still paying on the total debt not negotiated debt which was my goal. In XXXX of XXXX XXXX of the creditors decided to file a case management trial with the XXXX XXXX demanding I pay the debt they claim was owed of {$4600.00}. This was XXXX of the creditors enrolled in the XXXX XXXX program that I later learned was not contacted to begin negotiations during the time I was enrolled in the program. As the consumer I was not aware that creditors would be contacted and negotiated with as other credit accounts in the program were resolved. As of today I am still attempting to clear these accounts from my credit.
Product: Credit reporting

Experian is incorrectly reporting a balance on my credit report for a XXXX account in violation of the FCRA and bankruptcy law. This account is included in a Chapter XXXX bankruptcy which is in good standing and which requires all collection activity to cease. However, the reporting of a balance by a collector to a consumer 's credit report is considered a collection activity. 
Further, XXXX XXXX is reporting a negative payment status for XX/XX/XXXX and a past due amount of {$9200.00} in error. Multiple bankruptcy court decisions, including re XXXX, Case No. XXXX ( XXXX XX/XX/XXXX ) conclude that debts in a Chapter XXXX bankruptcy should reflect a current status and on-time payments if payment history is reported at all. I am requesting that the item be permanently deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked on my credit report and noticed that Transunion is in violation of 15 USC 1681b ( a ) ( 2 ) Which states In Accordance with written instructions of the consumer to whom it relates. I the consumer has never given a written statement that allows Transunion to repost anything on my consumer report. Without my consent Transunion has committed Identity Thief. There are four different accounts that need to be removed. I have given them 4 different exhibits that show accounts that are unauthorized. I also added written letters, an affidavit of truth, a letter of the exhibits violated by Transunion, a signed letter from a Notary Public, and a invoice for the 4 federal violated rights. Each violation made my Transunion are for {$1000.00} dollars per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

My vehicle, a XX/XX/XXXX XXXX XXXX, was repossessed inXX/XX/XXXX. It was picked up by XXXX XXXX XXXX XXXX XXXX  on XXXX XXXX XXXX XXXX Ga XXXX ( XXXX XXXX ). I was told I had a week to get the vehicle before it was sent to auction. I was unable to and the vehicle was no longer there when I came to get my belongings. I never received communication from Santander about owing them any additional money. According to Georgia Code - 10-1-36, they are required to notify me what the vehicle was sold for and that they are pursuing me for a debt. About two months ago, a company purchased this debt and claims I owe {$10000.00}. On my credit report, it shows three different amounts : XXXX XXXX  and XXXX  ( attached ). I do not understand how I could owe anything on a vehicle that went to auction and how I could owe three different amounts. I also was not told where the auction was held, so I was not even given the opportunity to get the vehicle.
Product: Mortgage

The dispute between East-West bank and I centered around one check # XXXX in the amount of {$2000.00} dated XX/XX/2019, for XXXX XXXX  mortgage payment. My Principal and interest payment at the time was {$1200.00}, I am responsible for my own taxes and insurance. East-West Bank rejected the payment ( see attached ) and claimed that XXXX XXXX  XXXX had committed fraud. East-West Bank had negotiated the check and I was able to provide a tracer to them, however, they still rejected the payment. Every month I make my mortgage payment due with an additional principal payment, I have never missed a month. In a letter from East-West Bank dated XX/XX/2019, they claimed I was in Default for 3 Payments, however, did not specify which months were due. There was also a late charge in the amount of {$2200.00} which seemed excessive considering I had never been late and always paid more than the Principal and Interest due. 
I requested several meetings with East West Bank and as a result of my requiring a XXXX  XXXX, East West Bank stated that it was my responsibility to hire a interpreter to attend the required meetings. Although, I did receive an email in XXXX  from XXXX XXXX an employee of East West Bank. The actions of East-West Bank have caused harm to me and my marriage, and the stress has been unbearable. I am attaching the proof that t all payments have been made on time.
Product: Money transfer, virtual currency, or money service

I recieved a bitcoin deposit on XX/XX/year>. The deposit was cleared and confimred on XXXX  and has been pending in my coinbase account since then. I have contacted the company over 10 times and no solutions or updates.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report I am a victim of identity theft, and did not make the charge. I asked that the items be deleted to correct my credit report.. I reported the theft of my identity to the federal trade commission, and I also have enclosed copies of the federal trade commission, identity theft, affidavit. Please delete the items as soon as possible.. 
XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past month, I have been trying to get a total of 10 hard inquiries removed from my credit report that I did not authorize. The inquiries/unauthorized dates are listed below. **XXXX XXXX XXXX  XXXX, XXXX XXXX/XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX.I sent disputed letters to Equifax to verify these inquiries/ the information comes back verified. I called the creditor to requested a letter for deletion, EACH creditor informed me that there is no record of  a " XXXX XXXX XXXX '' in their records. I send Equifax another letter to verify their method of verification/requested specific details to ensure verification which Equifax failed to do s. These inquiries again came back as verify. i called the bureaus again to seek further assistance with this inquiries DELETIONS/ no one seems to help solve this matter. As a consumer, I feel my rights have been compromised/Violated. I have done all that was requested of me and feel devaluated as a consumer and customer of Equifax.at this time of this inquiries I was in college and was not seeking any credit of any sort. Please REMOVE these inquiries as requested. They were not authorized.
Product: Debt collection

I have been trying since XXXX to verify if the debt is mine, was fraudulently created, or was part of a divorce settlement. Because the account is still in a name that is no longer my legal name, nor has it been since XXXX, I wanted to verify if it was even mine. I have contacted the original creditor, the debt collector, and the law firm all of whom have ignored my request or provided information other that what I have requested. They have pursued legal action, saying I have not responded despite many attempts. I disputed the debt via credit reporting agencies, who found in my favor but I would like this issue resolved before the upcoming court hearing.
Product: Mortgage

A credit information consolidator, acting on behalf of my mortgage company, made a number of improper " hard '' credit inquiries in 2016 resulting in subsequent adverse credit decisions including denial of credit or higher interest rates. XXXX inquiry was specifically not approved and during the application process multiple inquiries were made within a 30-day period. I authorized 1 inquiry. I contacted the reporting credit bureaus who referred me to the credit information consolidator. The credit information consolidator refused to remove the unauthorized inquiries because they were acting on behalf of the mortgage lender. I contacted the mortgage lender and they now refuse to remove the credit inquires. I do not dispute that I applied for the loan and authorized a credit inquiry. The dispute is about the number and timing of the other unauthorized inquiries.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX Re : Ally Financial Acct Ending XXXX Ally Financial is report this account on my credit report when clearly it does not below to me, it belongs to XXXX XXXX XXXX. 

Ally Financial XXXX XXXX XXXX XXXX, MN XXXX XXXX Account XXXX Balance {$12000.00} Credit Bureau Account Status Charge-Off I, XXXX XXXX XXXX XXXX am attaching a copy of the Bill Of Sale that clearly states in the Buyer/Co-Buyer Name and Address ( es ) thaXXXX XXXX XXXX XXXX XXXX is the ONLY owner of this loan. Also, attached is the Retail Installment Sales Contract that clearly states in the Co-Buyer Name and Address lists N/A and NOT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the ONLY name listed on any of the documents proving this loan does not belong to me ( XXXX XXXX XXXX ). 

I have contacted Ally Financial multiple times to have them remove this from my credit report with all 3 credit reporting bureaus and they have flat out refused to do so. I was also told by them that there was nothing I could do about this situation! 

Therefore, I am requesting that Ally Financial immediately remove this from all 3 credit reporting bureaus without success. I would like to thank you in advance for your cooperation in this matter and look forward to a positive outcome from the Consumer Financial Protection Bureau. 

Regards, XXXX XXXX XXXX
Product: Debt collection

I have sent 2 letters to XXXX dated XX/XX/21 and XX/XX/21 requesting more information about the debt specified. The company keep sending the same information over and over. The debt collectors failed doing the following : XXXX ) Collector failed to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ). 
XXXX ) Collector failed to provide a valid basis for the debt, such as the original contract/agreement, promissory note between Consumer and original creditor, bearing Consumer wet-ink signature.

3 ) Collector failed to provide proof when the original creditor claims this debt became due and when it became delinquent. 
XXXX ) Collector failed to provide a valid basis for the debt, such as the original contract/agreement, promissory note between Consumer and Collector, bearing Consumer wet-ink signature.

5 ) Collector failed to provide a copy of the last billing statement sent to Consumer by the original creditor. 
XXXX ) Collector failed to provide late payment notice and/or account closing notice provided by the original creditor XXXX ) Collector failed to provide Bill/Summary of Consumer Rights. 
XXXX ) Collector failed to provide me a verified ( sworn to by Affidavit ) copy of the contract your firm has with the original creditor authorizing your firm to engage in collection activities on their behalf against the above-alleged account. 
XXXX ) Collector failed to provide me a verified certificate of authority, and/or proof that your company are licensed to collect in my State. 
XXXX ) Collector failed to provide general ledger statement showing the full accounting of the alleged obligation you are attempting to collect, accompanied by a commercial affidavit by the original custodian of the books and records. 
XXXX ) Collector failed to provide the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as FR 2046 balance sheet ( OMB # 's 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S, and RC-B call schedules. 
XXXX ) Collector failed to provide verification and/or copy of any judgment if applicable. 
XXXX ) Collector failed to provide proof of any interest, fees or other charges expressly authorized by the agreement. 
XXXX ) Collector failed to provide a certified copy of all Public Hazard Bond ( s ) and Liability Insurance Policy ( s ) and accounting demonstrating the financial capability of Collector. 
XXXX ) Collector failed to provide proof that the alleged debt has not already been satisfied by any means available including but not limited to, a Tax write-off, an Insurance Claim or selling the purported debt to third party debt collector. 
XXXX ) Collector failed to provide a Statute of Limitations expressly authorized by the agreement. Thus, Collector cant validate Statute of Limitations debt starting and expiration date. 
XXXX ) Finally, the Collector failed to provide an affidavit signed under Penalty of Perjury that Collector or any agent ( s ) acting on their behalf has not violated any portion of the Fair Debt Collection Practice Act.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX i spoke with XXXX XXXX about a business loan. He explained to me that I could apply for XXXX term loan and a credit card visa and a Business Line of credit XXXX he told me to request these amounts we emailed in correspondence he never got back with me after we spoke on the phone prior to the two emails he sent stating to provide tax returns after he told no financials were needed upto XXXX. I requested a call from his supervisor he has ignored all my emails and phone calls. i spoke with several representatives and they have told me someone would be calling me i never recieved a call spoke with another represenative at the beginning of XXXX she advise me her Boss XXXX would be giving me a call never recieved a call. They have really bad reiviews on the business side and I would like for the hard inquiry to be removed immediately do. my credit score with XXXX is XXXX and i refuse to have a inquiry that was given to me due to lack of product knowledge on Mr. XXXX XXXX 's behalf and the unprofessionallism to an consumer and a member of the institution.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting

I have disputed a revolving account on my credit report for over a year and still is on my credit report. I am trying to purchase a home and this account is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that the three major credit reporting agencies Equifax, XXXX and XXXX verify all information and entries on credit report file that I have disputed in whole. These reporting agencies never conduct a proper investigation into disputes. Per the FCRA and citing from XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ( XXXX. XXXX XXXX  ) case law, it is their obligation to fully investigate all disputes in full. Failure to do so properly shall result in information deleted from credit file.
Product: Debt collection

I had a XXXX debt, they did not send me anything and did not call me, they called my son, told him the amount of the debt and the date of service. He told them to call me. And when i called back, they did have my phone number and address. They must have just got the debt, i assume because they did not try to contact me prior.