23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXXXX/XX/XXXXXX/XX/year>24 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reviewed my credit report and notice a lot of inaccurate, invalid, wrong information reporting on my report.
Product: Credit reporting or other personal consumer reports

I am writing to make my final demand to dispute unauthorized hard inquiries on my credit report. Upon reviewing my recent credit file, I still identified the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Ive gotten multiple calls from XXXX ( XXXX XXXX XXXX looking for a XXXX XXXX. Ive told them multiple times that I am not her and please remove me. They have not.
Product: Credit card or prepaid card

I have a CITI business credit card, and one of the perks is If you spend {$30000.00} annually, you will receive {$99.00} certificate for a companion ticket. 

I have yet to receive my certificate for the 2018 year. I have been trying to get this resolved for over a year now. I have called in multiple times to CITI and request they resend one out because there excuse was always " we issued it, so were not sure why you aren't receiving it. '' Finally, they said they would re issue a new one, and I never received it. and by the time I followed up, they said that it was to much time that has gone by. One time I called in, they tried telling me that I didn't qualify that year. Attached I have submitted my statement for XXXX clearly showing that I well spent over the Minimum of XXXX annually. 

One of the main reasons I have this card is for this reason/ perk. I travel, a lot for business. You would think because I've been a CITI member for so long and spend so much annually that they would just re issue me one.
Product: Payday loan, title loan, or personal loan

1.I have never had an account with this company XXXX XXXX XXXX XXXX  XXXX from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are XXXX XXXX XXXX the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Checking or savings account

I opened a checking account and a savings account with PenFed Credit Union on XX/XX/2020. The checking account # is XXXX The savings account # is XXXX. When I signed up there was a promotion that offered {$200.00} if I made a deposit of {$1200.00} and did 5 atm transactions. I did both of these requirements. The fee for the checking account had been waived for several billing cycles. However at some point a {$10.00} fee was assessed to my checking account. 

I attempted on several occasions via email and the messaging system on the penfed website to add a deposit in order to bring the account to the positive. I was unable to do so as the ability to transfer money was eliminated from my account. The negative balance was $ XXXX Despite that I sent numerous messages, my issue was not addressed. 

The bank sent my an email that because my account was in the negative, they would not send me the {$200.00} bonus. I asked if I could appeal, and outlined what I just told you. I did not receive a coherent message back. My point is that I deposited the {$1200.00} and did the 5 debit card transactions, but they are not sending me the bonus because my account went into the negative. Before I could deal with this further, the bank closed my checking account. 

So, they first restricted my ability to add money to the account, then closed the account without answering my inquires. For these reasons I believe that an exception should be made because I did try to fix the negative balance, and instead of helping me they took the above outlined actions.
Product: Mortgage

Chase sent a email notice of a completed address change, but we did not make an address change request. Per the email, I called the phone number as directed. 

After multiple attempts I was able to speak with a Chase representative but their phone system was nearly unusable. At one point I was on hold for 30 min before the call automatically disconnected. The next time I tried I was connected to an Chase agent at the same time as another, unrelated caller. We both started speaking and she had to share her name and a call back number with me on the line. 

Chase apparently has different phone queues depending if you know your account number. I was only able to speak with a Chase representative once I had looked up my Mortgage account number and used that in phone system.
Product: Money transfer, virtual currency, or money service

I purchased an item via PayPal on XX/XX/XXXX for {$57.00}. The item was not received until XX/XX/XXXX and is substandard at best. I have tried to get PayPal to honor their 100 % MONEY BACK GUARANTEE ( see attached ), but they have not to date. The company says they will refund my money if I return the item to XXXX at MY expense which will cost me in excess of {$60.00}! The company 's warranty ( see attached ) says they will pay for return, but so far they will not answer me. I have attached the pictures of the ad for the item as well as what it really looks like. It's supposed to be a night light for a grandchild, a XXXX present, that took two months to deliver. I would like for PayPal to honor their 100 % MONEY BACK GUARANTEE as show on the check out screen I have attached.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX : Account No. is XXXX ( {$5000.00} ), XXXX XXXX XXXX XXXX XXXX Account No. is XXXX ( XXXX ), XXXX XXXX : Account No. is XXXX ( {$7500.00} ), XXXX XXXX  : Account No. is XXXX ( {$7600.00} ), XXXX XXXX XXXX XXXX Account No. is XXXX ( {$31000.00} ), XXXX XXXX XXXX XXXX Account No. XXXX ( {$2000.00} ), XXXX XXXX XXXX XXXX Account No. is XXXX ( {$850.00} ), XXXX XXXX XXXX XXXX XXXX Account No. is XXXX ( {$20000.00} ) has violated my rights. 

Inquiries : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXXl ( 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 XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  XXXX ( XX/XX/XXXX, XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( ( XX/XX/XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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: Mortgage

Wells Fargo Home Mortgage has refused to extend my XXXX forbearance plan for my Fannie Mae Mortgage. Fannie Mae has allowed borrowers to be in forbearance for up to 18 months. Wells Fargo has refused to extend my mortgage for the additional 6 months as required under the Federal Housing Finance Agency ( FHFA ) extensions measures to align COVID-19 mortgage relief policies across the federal government. I need additional mortgage forbearance because of my ongoing COVID-19 hardship.
Product: Debt collection

XXXX XXXX XXXX/ XXXX XXXX is reporting on a debt I do not owe. I called and paid this debt as soon as I found out about it by pulling my credit. XXXX XXXX XXXX/ XXXX XXXX   did not send me any notifications or my 30 day right to dispute letter. XXXX XXXX XXXX/ XXXX XXXX agreed that by paying off this debt they would remove the account off of my credit file, due to being in violation of my 30 day right to dispute, and they haven't removed it.
Product: Checking or savings account

I have opened a checking and savings account with UMB on XX/XX/2020. The accounts were opened successfully and was able to manage my account online. 

But within a couple of weeks, my accounts got locked and I'm no longer able to access my accounts or funds. The bank even rejected transfers when I transferred money leading to locks on my accounts at other bank as well. 

Since then I have been trying to have this resolved and gain access back and it has been already more than a month. Every time I call in they transfer to different persons or ask me to call a different number. They keep me on hold and come back only to say that the person who would look into this issue is not available and promises to call me back. But I never get any call. This is really frustrating.
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, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 reporting, credit repair services, or other personal consumer reports

So ive been hearing about how the reporting agencies aren't in compliance with Fair Reporting Rules and regulations. So, I investigated my report and sure enough there in black and white several errors and violations were there, so I begin to challenge the accuracy and completeness of their reporting of my Consumer report and all three agencies returned me verified and accurate accounts when they clearly investigated nothing. Everything that is violating my rights on my consumer report when i first started investigating is still on my report i have the documented proof letters and us postal certified mail that I've been requesting the correcting or removal of these violations for over 60 days now and the agencies continue to return accurate and complete information on my consumer report.

1. Account XXXX is reporting three different account numbers, three different last date of payment, three different last day of account activity. 
2. XXXXXXXX XXXX XXXX is also reporting three different account numbers, three different a account status account also reporting after the case was dismissed and no fault found 3. XXXX XXXX is also reporting same wrong account numbers i attached files for proof
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I was trying to buy a used car. I was told by the dealer, I could use XXXX XXXX. I did not have the money in my bank account, the money was on my prepaid card. My sister said she had the money on XXXX XXXX but I had to give her the money first. So, I did a moneygram for XXXX.I sent her the money they stated, It was processed and being sent but when she tried to pull the money it stated additional information needed. I called and was told after the unusual bias question that I was verified and the money would be sent. The money was never sent but cancelled and refunded. The money will not be in my account until XX/XX/2020. My rent and bills will bounce and I owe my sister a XXXX because of this incident. They kept the XXXX dollar fee also and because of their lies, racial profiling and bias, I am in debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I received dispute letters back from Equifax showing multiple accounts were deleted off my credit report, yet they are still showing. I am in the process of sending a new round of letters with copies showing that the accounts should be deleted. There are currently XXXX accounts and XXXX collection/medical accounts still showing on my account that was supposed to be deleted in XXXX. 

These same 4 accounts plus one extra and collections are also shown on my XXXX XXXX account after notifying them Equifax has deleted the accounts off my report, so its mandatory for them to do the same. I demand remedy/relief from XXXX, for this has impacted my credit report and ability to get approved for anything with these negative, inaccurate accounts reporting.
Product: Checking or savings account

I deposited a check into my business account that was in my name and I am the only signer on the account. They gave me a date of a nine day hold that passed by then they added another 7 days that passed by then they added another six day hold and now they are threatening to add another hold and bring it to XXXX days just because Im a new account holder at citizens bank. It has affected my business greatly and my investors and partners vendors are all having to wait to collect whats due to them.
Product: Debt or credit management

I received invoice from XXXX XXXX XXXX  ( XXXX ) dated XX/XX/XXXX for {$540.00} for XXXX XXXX  visit on XX/XX/XXXX. I paid my copayment upon check-in at the hospital XXXX XXXX  on XX/XX/XXXX. I sent XXXX a letter asking what the bill was for XX/XX/XXXX. No response. Looked like a scam. I received more invoices and sent a certified letter with return receipt on XX/XX/XXXX to XXXX asking what bill was for. Though letter delivered and return receipt signed I received no response. I received a letter from Wakefield & Assoc. dated XX/XX/XXXX stating they are trying to collect a debt I owe to XXXX. Letter states I can dispute the debt by XX/XX/XXXX. I sent certified letter disputing debt with return receipt to Wakefield & Associates on XX/XX/XXXX. Though letter delivered and return receipt signed I received no response. Then I find out the debt is listed on my credit report as submitted by Wakefield and Associates on XX/XX/XXXX! I have sent Wakefield & Associates 3 more letters delivered by certified mail and have received no response. I filed a claim with the XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX. Wakefield & Associates have not responded to XXXX  nor me. 
I need this debt removed from my credit report.
Product: Checking or savings account

I inherited an IRA from my mom in 2021 for approx XXXX. The bank was Suntrust at the time. Truist bought Sun Trust shortly after that. I went to the branch to fill out paperwork to take the required annual minimum distribution. I got a check for the distribution ( around {XXXX} ). Approximately XXXX weeks later I received a check for the remaining balance in my account. I went to the branch and spent XXXX hours and no one could figure out why the check was cut. They had no authorization to close my account. They were rude, never said sorry and didn't seem to care that this has happened by mistake ... .where are the financial controls. The clerk specifically said we have no idea why this check was cut. So it took along time but they got the money redeposited. Because it is an IRA, I did not want the entire amount cashed out this year because I would have to pay the taxes. 
The branch XXXX, XXXX XXXX, would not even return my calls to discuss this mistake. I decided I did not feel comfortable leaving my money at Truist so I told them I was transferring it to XXXX. Never once was I told there was a transfer fee of XXXX and since they has made this mistake I would have requested it be waived. So I called the branch XXXX again requested it be waived and she simply said nope. Can't do it. Never saying sorry for this mess or anything. In addition, during the course of having this account with them, I received letters telling me my new account numbers, that I needed to add beneficiaries, etc and the letter always said call this number. I called the number listed over the months XXXX or XXXX times, the answer I always got was you will have to go to the branch. They can't answer the simplest of questions which also made me really concerned that no one has received training. Truist needs to be investigated. I am not sure they have any idea what they are doing and their personnel are rude and untrained. It should not take XXXX minutes and XXXX people to redeposit a check.
Product: Mortgage

I was pre-qualified with the Illinois Hardest Hit program on XX/XX/XXXX, but in order to fully qualify for their program of which they were willing to pay {$35000.00} of my arrears, in addition to ( 4 ) future months of mortgage payments @ {$1000.00} ( TO BRING MY MORTGAGE CURRENT ), due to the lenders fees being in excess of what would qualify me for the program, I requested for the lender to waive or reduce their attorney fees of {$4400.00} as of XX/XX/XXXX, in order for me to qualify, since Illinois Hardest Hit Program does not allow homeowners to pay any fees to offset overages. <P/>In summary, I received a letter from a XXXX XXXX at Wells Fargo on XX/XX/XXXX stating that they were not able to waive or reduce their fees. With no further explanation being given. <P/>I am filing this complaint as this is extremely malicious behavior from the lender Wells Fargo, NA to intentionally not reduce their " inflated '' unrealistic attorney fees, and choose not to receive an immediate payout of {$39000.00} ( {$35000.00} to resolve the arrears, plus an additional ( {$4300.00} for ( 4 ) future monthly mortgage payments ), yet instead making a corrupt choice to choose to leave a homeowner, who has the immediate means to resolve her Mortgage Foreclosure arrears, be denied a logical resolution, and cause a homeowner to run the risk of losing their home. This is totally unacceptable behavior and it is illegal that this lender is allowed to get away with this type of MALICIOUS unlawful practice!!! <P/>There are many homeowners like myself who are working diligently to try and save their homes from foreclosure, and this lender has a normal practice of denying loan modifications, wasting precious time, playing the " I did n't receive those documents '' game, even when a homeowner has had those requested documents notarized by a legal entity, causing further hardships to occur for homeowners. It is very apparent that this lender is not willing to assist homeowners, and in my case they have laid it out in black and white, that they would be willing to try and foreclosure on my home, choosing to not waive {$4400.00}, than to accept {$39000.00} to resolve all of my Arrears and bring them to {$0.00} on the property. Who does that??? <P/>Thank you for pausing your day to allow me to file this COMPLAINT, and I will continue to seek justice against this unjust corrupt corporation, and I will also help as many individuals as I can to fight against this corrupt lender Wells Fargo, NA.