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

PNC Bank sent me a notice on XX/XX/23 saying that my account was in the negative however on my ledger I had {$700.00} in the account they claim they paid online fees, charges rather because I did not have enough money to cover. That is not true. On a second statement they sent me I had plenty of money now they are holding my credits and put a hold on my account and refused to issue the credit to my account and claim that I am minus {$500.00}. This is not possible because three days later I checked out money from the ATM in it for {$120.00} which I wouldnt of been able to do if I did not have the money in the account. They refuse to give me the money that is owed to me in my account and they closed it. I will be contacting XXXX XXXX XXXX  however would like this documented with your company please contact them because theyre saying the dispute will be 90 days and it plain as day to see that that overage on my account is not possible
Product: Mortgage

Wells Fargo mismanaged my escrow account. My home was purchased XXXX XXXX for {$280000.00} XXXX/XXXX/XXXX - Wells Fargo refunds from escrow {$1500.00}. Also drops the monthly payment from {$2000.00} to {$2000.00} ( - {$48.00} represents a 2.4 % reduction in payment ). 

XX/XX/XXXX - 5 months later Wells Fargo re-runs escrow analysis. They determine that my escrow account is now short {$1500.00}. They have forced me into a situation where I have XXXX options Option 1 : Come up with {$1500.00} in two months and raise my payment to {$2000.00} ( XXXX increase of 4.1 % ) Option 2 : Spread shortage over a year which results in a new payment of {$2200.00} ( + {$200.00} increase of 10.3 % ) Neither of these options work for me. I can not afford an increase to my payment of over 10 %, and I can not come up with the shortage in the amount of {$1500.00}. My family is a single income household of XXXX people. 

I do n't feel this is right given that I have a USDA 100 % financing fixed rate mortgage. My payment should not swing up 10 % in a given year. I took a USDA 100 % financing loan because I do not have a lot of extra cash just laying around to pay $ XXXX+ in a given time of year. I spent the refund that was given to me XXXX of last year on bills and XXXX. I think the amounts show that the escrow account was setup correctly at the time I purchased the home XX/XX/XXXX. The mortgage company received tax bills in XX/XX/XXXX, but must have been off of the prior assessed home value ( prior to my purchase ). Wells Fargo should have known something was incorrect given that the assessed home value reflected on the tax bills was {$30000.00} under the purchase price. Below is a chart taken from XXXX. 

Year Taxes Land Additions Total Assessment XXXX {$5000.00} {$70000.00} + {$210000.00} = {$280000.00} XXXX {$4400.00} {$60000.00} + {$190000.00} = {$250000.00} XXXX {$4500.00} {$50000.00} + {$190000.00} = {$240000.00}
Product: Checking or savings account

Iam set up to receive my direct deposit from my employer and still have not gotten it. I've spoke to my employer and the payroll dept for my employer and can show where it was drafted from employers account.
Product: Credit card

I had a capitalOne XXXX credit card since XX/XX/XXXX. I provided this information to XXXX of the vendors ( XXXX 's XXXX XXXX XXXX ) for autopay. There financial services is XXXX XXXX XXXX based in MA. During the month of XX/XX/XXXX - I asked that XXXX XXXX XXXX company that my kid wo n't be coming since XXXX week of XX/XX/XXXX so stop charging my card. I was going out of country for more than a month vacation. The merchant also agreed and I had all the email communications with them. Later merchant charged my card - i found it and asked CapitalOne to block this merchant and their transactions going forward during XXXX - via chat and secure message center. And also opened the dispute with CapitalOne. But Capital One could n't block that merchant ... transactions keep on happening even after that. Finally i closed the account also ... CapitalOne was provided all the possible documents to investigate this issue ... did a lot of follow up with CapitalOne and come to know that dispute will be in my favor ... Later merchant refunded some amount also. I had XXXX item that i had purchased from XXXX which i refunded using this credit card. XXXX refunded this amount into my closed credit card. I reached CapitalOne to refund that money to me via check ... they agreed but they refunded another {$100.00} to the merchant once again??? - i do n't know why they did that ... later i need to keep on following up with CapitalOne ... on XX/XX/XXXX - myself, CapitalOne and merchant had a XXXX hour call ... merchant agreed to pay the money after getting the statements from me. CapitalOne make the merchant understand everything ... send me the statements ... i sent the statements to the merchant also ... they were suppose to refund back my {$100.00} which capitalone gave on XX/XX/XXXX ... But now merchant is not ready to refund back as they are saying that they dont owe me anything ... CapitalOne 's billing statement and overall dispute process is so complicated that it 's very hard to understand what 's going on?
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I was alarmed to see an unauthorized inquiry that shouldnt be there. I dont know where it came from, and I refreshed my browser multiple times, thinking it was an error, but it wasnt. This situation is unacceptable, and I insist that my documents be properly examined right away so I no longer have to worry about this.
Product: Mortgage

I had tried to get a loan adjustment. They said they could help but come to find out the company that they hired to help them apparently took the money and disappeared. So the whole time I was making payments, Wells Fargo was not receiving them. It ended in foreclosure. We had to move out and Wells Fargo was at the court house bidding on buying it back. Without giving me a chance to fix the wrong they did to me. It was foreclosed on in 2014 we owned the house before this
Product: Checking or savings account

HSBC Bank is the only one bank that never credited me anyhing for the promotion bonus that they promised after I finished all the terms and requirements in XXXX. I even referred my family member to Join their promotion but he didn't receive anything for the promotion bonus that HSBC advertised, either. I had to report this problem to their employees many, many times in the past but HSBC back office never contacted me to return the credit that the bank owed to me. HSBC bank is the only one bank that made me suffer financial loss. I've never had such bad experience with any other banks except HSBC Bank.
Product: Credit reporting or other personal consumer reports

There is an account on my credit report from XXXX XXXX XXXX with the account number : XXXX. 
I have not received any goods or services from this company. I have never done any business with this company. This company has illegally obtained my Nonpublic Personal Information. For example, my name, social security number, and date of birth. Only a signed contract between I the consumer and XXXX XXXX would make me legally bonded to any debt that they may claim. I have never provided any wet signature or Nonpublic Personal Information to this company on any agreement. 

I have not received any Debt Validation Notice from XXXX XXXX as they were lawfully required to per FDCPA laws. 
Therefore, I was not rightfully able to dispute this account before they unlawfully caused harm to my consumer report. This is a request for proof of delivery or receipt that XXXX has sent a Debt Validation Notice to I the consumer. Written and verbal communication directed via FDCPA was not provided to I the consumer ; allowing me to properly dispute this invalidated debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I contacted you with report number XXXX explaining that Transunion is reporting accounts that do not belong to me and was opened fraudulently using my personal information. The accounts for XXXX XXXX XXXX XXXX XXXX {$1.00} along with XXXX XXXX / XXXX {$320.00} are fraud accounts that have been opened using my personal information without my permission. I am asking again that this information be deleted from my credit report.
Product: Payday loan, title loan, or personal loan

In XXXX or XXXX of this year, I negotiated with Discover Loans {$30000.00} over 3 years to consolidate my debt. Although the monthly payment was nearly $ XXXXmonth, it was doable. In XXXX, my husband passed away, and due to a law in XXXX, because I was a XXXX, I am not entitled to his Social Security benefits, thus my income dropped by $ XXXX/month. I immediately called Discover Loans and explained the situation asking for an extension to 6 years ( I understood that would increase the percentage on the loan ), and they refused stating that their policy is that the loan needed to be " 6-months '' old before a modification could be made. I explained that I could not afford the monthly payment and didn't want to default or ruin my credit rating, and they still refused to help me. I ave been paying on the loan, albeit less than the {$1000.00}. I wrote the president of the company and he referred me to XXXX XXXX, in their consumer advocacy division. She has called me monthly to tell me there is nothing that can be done. Now they are charging me additional interest, monthly late fees, and have further suspended charging on a Discover credit card ( which is my lifeline, and I certainly have not been charging frivolously on it ) which has always been current. I don't think my request was unreasonable, but I do feel their punitive measures towards me have been.
Product: Debt collection

A supposed debt collector called XXXX and has been threatening me to make payments and if I didn't the other measures will be taken. Threatening to call my job and called my husband. This started about 3 months ago and I recently had to switch bank accounts when they did not get their payment they started calling non stop demanding I pay. I have been paying alot of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This data aggregator has collected source data from a county government indicating that I had pled guilt to 3 Felony Convictions ; Possession of Controlled Substance in XXXX XXXX County on XX/XX/2014. This is not me. The DOB that this provider used and is using as the data provided to their customers is XX/XX/XXXX - XX/XX/XXXX. It is therefore not specific to me. They also used a subset of my name to not include full middle name or proper suffix. I was turned down for a lease because of this inaccurate and defamatory information. I also believe that has crept into credit reports under a category of Derogatory Personal Information. This then propagates into every credit union and other organizations ( ie, employers ). These people must be more rigorous and be punished for these inaccuracies. There 'website ' offers no way to complain to them and no address to correspond with them. Hole in the wall aggregator of inaccuracies harming thousands of consumers. I want them penalized. I want them to clean up their act or withdrawing from this service business.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXXXXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. Box XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Debt collection

Equifax.. XXXX XXXX Acct number : XXXX XXXX N accordance with fair credit regarding act XXXX  to those account has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C section 602 A section 2 : its also states a consumer reporting agency can not furnish a account without my instructions They put a middle name on my name. I dont have a middle name and they refuse to remove it
Product: Credit card or prepaid card

On XX/XX/2018 Bank of America, charged me a late fee of {$25.00} for my account ending in XXXX. I had submitted my payment on the XX/XX/XXXX but kept getting an error message. It said I had to enroll in bill pay. So I had to go to the full site and then use the mobile site to make the payment. This was not a payment I submitted lay but due to a glitche on Bank of America site.
Product: Debt collection

I was in the hospital for XXXX in XXXX of XXXX. I've been trying to get XXXX to pay for this care. It is now XXXX of XXXX. The CBE group called my house and would not tell me who they were or the nature of the call until I gave my name and date of birth. Their phone number is XXXX. At present, I have 2 inspector general complaints to XXXX to pay these bills. I've resubmitted the bills for payment XXXX times-nothing has been done. Now this CBE group calls me!
Product: Credit reporting or other personal consumer reports

Subject : Request for Investigation and Compliance with FCRA Sections 15 U.S.C. 1681i ( a ) ( 7 ) and 15 U.S.C. 1681e ( b ) To Whom It May Concern, I am writing to formally request an investigation into inaccurate and incomplete information on my credit report pursuant to the Fair Credit Reporting Act ( FCRA ). Specifically, I am invoking my rights under **15 U.S.C. 1681i ( a ) ( 7 ) ** and **15 U.S.C. 1681e ( b ) ** to ensure the accuracy and fairness of my credit report.

# # # 15 U.S.C. 1681i ( a ) ( 7 ) Disclosure of Reinvestigation Process I request a clear and detailed explanation of your reinvestigation process, as required by **15 U.S.C. 1681i ( a ) ( 7
) **. Please provide me with the methods used, sources consulted, and all supporting documentation obtained during your verification of the disputed information.

# # # 15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Possible Accuracy Under **15 U.S.C. 1681e ( b ) **, credit reporting agencies must ensure that the information contained in a consumers credit report is accurate and up to date. I believe that certain accounts or records on my report have not been adequately verified and may be incorrect. I request that you immediately review and correct any inaccuracies or provide documented proof of their validity.

I have attached copies of my identification and supporting documents regarding the disputed information. Please conduct a thorough investigation and update my file accordingly. If you find that the information can not be verified, I request its immediate removal from my credit report.

Please provide a written response within the legally required timeframe, confirming the results of your investigation and any corrective actions taken. Failure to comply with my request may result in further legal action. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX has violated both the Equal Credit Opportunity Act ( ECOA ) for failing to provide required credit denial information, and has violated the Fair Credit and Reporting Act ( FCRA ) for a failed reasonable investigation and identity theft credit inquiry removal. I am the victim of identity theft, and a fraudster attempted applications with multiple financial institutions on XX/XX/2023. These applications were luckily declined, with other financial institutions confirming the applications triggered their fraud alert systems as identity theft while routing from XXXX XXXX, IL. However, XXXX continues to refuse removing their hard inquiry from my credit report in violation of the FCRA. I have requested XXXX to confirm why the application was declined but they have failed per ECOA 1002.9. The denial information should inform XXXX this was a fraudulent application. 

I have submitted all required information for this matter to be resolved in alignment with all federal regulations, but XXXX has failed.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 list of Inquiries 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 card or prepaid card

I received an email that a credit card was opened in my name through Chase bank when I did not open a card for myself. I contacted Chase bank on Sunday XX/XX/23 and they successfully closed the account and are investigating the issue. 
Since the card was opened Ive received close to emails that someone has subscribed me to almost 100 different government magazines/newsletters/etc. all which have been either blocked or reported at spam so far.
Product: Debt collection

My wife received a phone call saying they have been trying to deliver medicine to me and the package was denied. They left a call back number which was different than the local number they used to contact her. They also left a case #. I called the number and gave them the case number. The lady introduced herself as someone from XXXX XXXX and XXXX and XXXX office. They had the last 4 of my SSN and bday. The lady stated something about an HSBC or XXXX XXXX ( she didn't seem to know which ) credit card from 2007 that was never paid with a sum of over {$3000.00}. I told her I do not have records that far back and can not remember this account and I do not think it was ever on my credit report as negative. She stated that if I did not pay it I would be taken to court and sued and have my wages garnished. She was somehow reading from my current credit report and see I had 2 XXXX  XXXX credit cards currently which seemed off to me. I got off the phone and did a quick XXXX search and several other people are reporting the same type of scam from this same company XXXX info is XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Number they had me call XXXX
Product: Credit reporting or other personal consumer reports

According to the credit reporting act this creditor has violated my rights under 15 USC 1681 section 602. States I have the right to privacy 15 USC, 1681 section 604 section 2. It also states a consumer reporting agency can not furnish account without my written instructions under 15 US 1666B not a payment on a credit card account under an open consumer credit plan as late for any purpose These Accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Each time I make a payment, the payment comes out of my bank but is not applied to my account for weeks. The Menard 's Contractor Card with Capital One is terrible. I paid my balance of XXXX on XX/XX/2019. The money left my bank account on XX/XX/2019. As of XX/XX/2019 the payment has not been applied to my credit card.
Product: Credit card or prepaid card

HSBC HAS DENIED ME A CREDIT CARD ACCOUNT ( REF # XXXX ) STATING THAT HSBC CAN NOT CONFIRM MY IDENTITY AFTER REVIEWING MY XXXX   CREDIT FILE. 
IT WAS TOLD TO ME BY HSBC THAT A FRAUD OR SECURITY ALERT WAS ON MY XXXX  FILE AND THEY NEEDED ME TO CONFIRM THIS. 
WHEN I CALLED XXXX, XXXX STATED THERE WAS NO FRAUD OR SECUIRTY ALERT ON FILE, YET HSBC STILL DENIED ME CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a state and federally protected consumer, I have a right to privacy. You dont have a right to infringe upon my rights or privacy without proper consent. Ive been violated by your company and it has caused me to suffer mentally, emotionally and financially. It is my desire to resolve this matter amicably without have to pursue this matter in federal court. I have a right to hold you criminally and civilly liable in a court of competent jurisdiction and seek actual damages due to your negligence.
Product: Credit reporting or other personal consumer reports

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below.

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative
information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Please investigate these matters and remove the disputed items That is inquiry was not authorized and in violation 15 U.S. Code 1681b Permissible purposes. Please DELETE as soon as possible.