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

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspond
ence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Mortgage

Truist incorrectly calculated the amount needed for escrow before closing. When the issue was raised they were estimating property taxes to be greater than 50 % of what should be expected -- they told us we had to wait until the tax bill came due a full year later. 

A year later, Truist finally processed 2/3rds of the escrow refund owed ( more on this later ). The check never arrived. Since XX/XX/XXXX we have been trying to get the check reprocessed. In that time, we have been told it has been expedited. We were also told one week that it was processed and sent via XXXX 2 day. None of this is true. 

As of today, XX/XX/XXXX, the issue is still 'in the hands of Research. ' Every attempt to escalate is answered with, 'we have escalated this. Check back in 24-48 hours. ' While this was going on, Truist still was wildly over-estimated taxes and was increasing our mortgage payment starting in XXXX. Even though XXXX XXXX had the correct information for XXXX available. After intervening and requesting an update to XXXX by providing the tax bill, Truist processed yet another refund. Not XXXX 2 Day, but XXXX, yet again. We are still waiting to see if this check shows up. 

Long story short, Truist has erroneously withheld amounts totaling, over a year to, {$10000.00} from us. The representatives we work with provide incorrect or conflicting information. 

We have been trying to resolve this issue since XX/XX/XXXX to no avail. What's even more frustrating, we knew the overage would be insane XX/XX/XXXX -- and Truist did nothing to prevent this from happening ahead of closing. We were told to wait for a refund. 

If I owed Truist XXXX XXXX, lump sum ... how do you think they'd enforce collection? Surely wouldn't accept 'wait 24-48 hours and check back '
Product: Debt collection

I received a letter from a debt collector, stating that if I paid 35 % of my total debt it would be settled and paid in full. 7 days later I paid the settlement amount. I received a written letter from the debt collector stating my account had been settled in full a few days later. Months has gone by, and they have only reduced the settled amount from the original amount owed, instead of bringing my balance to XXXX. I have disputed it and provided all the proof to XXXX, and they told them the balance reporting is correct, which is false because it should bring my balance to XXXX which again I have proof in the debt settled in full letter from the collector. Now, since I paid the settled amount, the original grantor is reporting my account as delinquent every month, hurting my credit. The whole point of me paying the settled amount was to help my credit. They are definitely not allowed to do this and it is not fair to me.
Product: Credit reporting or other personal consumer reports

In XXXX I was victim to bank hacking and false checks being deposited into my account after contacting BOA and letting them know that it wasnt me making these depositing that my account had been compromised they closed my account and reported it to XXXX XXXX and XXXX XXXX XXXX causing a hindrance on obtaining a real bank account, due to this false report my XXXX XXXX account had been closed down and wont be reactivated til this is removed please help as this issues wasnt my fault, I have proof of the deposited and proof of my password being changed Ive also attached my notes from today when I called BOA
Product: Mortgage

In 2017 my husband and I applied for a mortgage with Huntington Bank. At the time we had no children, and stated such on at least two areas of our loan application. We were contacted by the bank and told that we must submit in writing that we do not have any children via a statement. We believed there must have been a mistake and contacted the bank in regards to this. We were told that there must be something in our application that would give the lender the impression that we did have children. This was impossible neither of us had any children and therefore no child related expenses. In discussion with colleagues over the last several years none of them were required to submit formal statements related to children on top of what was stated in their applications. We are concerned that this decision was made because we were XXXX American applicants. We asked for clarification, but were told this statement would be required to proceed.
Product: Checking or savings account

I received a new account member packet in the mail From Alliant Credit Union. The letter stated that an account was opened in my name. I attempted to log in for the online banking to see what information was on the account. I answered the account security questions, that were obtained from my credit history, correctly. Then when setting username and password the site notified me that the username was " invalid ''. I then called the number provided by Alliant 's website. I verified my identity with the consultant and asked about the account. The consultant was very rude and even after verifying my identity, would not give me any information. I was then told that the " back office '' would contact me later that day, XXXX XX/XX/year>. I waited for the phone call to no avail. I then continued to contact a consultant, requesting information on the account. I was told every time that the " back office '' would call me. Finally, on XXXX XX/XX/year> I was notified by the consultant on the phone that the back office had determined that the account deposits did not originate from my account and that the account would be closed. I requested to talk to a supervisor and was connected with a XXXX. I informed XXXX that I wanted the account history, including when and how account was opened, the origination of the deposits, totaling {$1000.00}. The call was lost, and I attempted to call back but was told that XXXX was on the other line. I was transferred to XXXX 's voice mail. I left a message stating that I wanted a call back and my number to reach me at. I never received the call and have yet to receive any information on the account.
Product: Credit card or prepaid card

I opened a wells fargo cash rewards card off an add on XXXX 's website. the ad promised a {$200.00} cash back reward as soon as i charged {$1000.00}. which i did in XX/XX/2017. When i called them they routed my call to the wrong department then that lady ( XXXX  ) refused to give me any information on my account. and would not transfer me to anyone who could or would be able to help me. Wells Fargo engaged in false and or misleading statements to get me to open a credit card and is now refusing to provide the rewards for 4 or more months. what kind of crooks are they? I demand that they send me my {$200.00} cash reward immediately You should also note that wells fargo engages in so much fraud on has to wonder if they are paying the CFPB to remain open so they can continue to defraud Americans.
Product: Credit reporting or other personal consumer reports

In the last couple days I have had two hard inquiries on my Transunion credit report for credit cards that I have not applied for. XXXX XXXX and XXXX XXXX XXXX  are not my doings. Can you help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 16 USC1681section 6 XXXX  2 states i have the right to privacy 15 USC 1681section 604 a section 2it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. Bank of America XXXX XXXX XXXX  Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : DEPTEDXXXX XXXX XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$7400.00} Account Name : DEPTEDXXXX XXXX XXXX - DATE OPENED XXXX BALANCE {$4100.00} Account Name : DEPTEDXXXX XXXX XXXX - DATE OPENED XXXX BALANCE {$6200.00} Account Name : DEPTEDXXXX XXXX XXXXXXXX - DATE OPENED XXXX BALANCE {$6500.00} Account Name : DEPTEDXXXX XXXX XXXXXXXX - DATE OPENED XXXX BALANCE {$6800.00} Account Name : DEPTEDXXXX XXXX XXXX DATE OPENED XX/XX/XXXX - BALANCE {$3000.00} Account Name : XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This company is trying to collect a debt that is not mine, they are also reporting this in my credit without been properly verified as require by the FCRA 15 USC 1681 they are require to have properly verified this debt before placing this item on my credit report and have a hard copy with the original application with my signature on it as well as name, number, address, position held by person contactec to verified this debt. 
I am a litigious consumer and intent to use my right to clear my good name.
Product: Credit reporting or other personal consumer reports

There are errors on my credit report that violate 15 USC 16c-2, and this misinformation is damaging my credit standing.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that XXXX XXXX has filed for XXXX XXXX  bankruptcy as of XXXX XXXX XXXX in the XXXX XXXX XXXX XXXX Despite this, you are still reporting an account from XXXX XXXX on my credit report with inaccurate information, including late payments. You are required by the FCRA to ensure that all information furnished is accurate, and you can not report this account without proof of accuracy from the company. Given that the company has filed for bankruptcy and has not provided proof of the account 's accuracy, I am requesting that you immediately remove the late payments and update the account to " paid as agreed '' due to the incorrect reporting. lease reference CFPB complaint XXXX to see the company 's response.
Product: Credit reporting or other personal consumer reports

This formal complaint regarding the inaccurate and incomplete information present on my Credit Report. 
XXXXXXXX XXXX XXXX XXXXXXXX. 
While I acknowledge that errors can occur, the inaccuracies provided by your agency could potentially result in increased interest rates for me, adding unnecessary financial burden. Given my current financial commitments, this is a matter of concern. 

I kindly request that you investigate the following information and take appropriate action to either remove it entirely or provide me with the documentation used to include it in my report.
Product: Credit reporting or other personal consumer reports

on XX/XX/ | sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of thewrongperson.|
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I'm writing in regards to XXXX XXXX, whom you are furnishing inaccurate and incorrect information to the consumer reporting agencies. The account is charge-off/collection account. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood & caused me anxiety. 
I wrote XXXX XXXX via certified mail on XX/XX/XXXX a Debt Validation requesting for a Validation and they IGORNED my Debt Validation Request. On XX/XX/XXXX at XXXX I wrote XXXX XXXX XXXX XXXX Chairman and Chief Executive Officer & XXXX XXXX XXXX Vice President and CEO of XXXX XXXX XXXX and I got no response from them. In my letter I stated they had 10 days to remove the unverified item and again I heard nothing. This is the XXXX time XXXX XXXX ignored my requests. In this complaint I attached a copy of the certified mail receipt along with my debt validation request that XXXX XXXX ignored. Along with a copy of the email I send to them that was also ignored. XXXX XXXX has violated my consumer rights, not once but twice! Please stop violating my rights and remove this item from my consumer report. By law the CRA 's, creditors whom ever has 30 days to complete a XXXX investigation, & XXXX XXXX failed to do so. The 30 day mark has come and gone over XXXX ago! Therefore XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Equifax Information Services LLC by XXXX shall remove this item from my consumer report. I'm not repeating myself again! You think I'm playing watch me? I will continue to build my case and XXXX all three of yall for damages! There is a laundry list of damages caused upon me from yall reporting this item! 
CC : Pa attorney General, FTC & the XXXX
Product: Money transfer, virtual currency, or money service

In XXXX, I fell victim to 2 online scams promising to help me make money and help me become financially successful. Only to find I was being bate and switched! With XXXX  amd XXXX  cash flow. Totaling {$33000.00}, then I also invested my money in XXXX XXXX  a crypto platform in XX/XX/XXXX in the amount of {$45000.00} layer to find out it was a Ponzi scheme. I have a right to my money back. I worked hard it was my retirement money.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found XXXX  days late payment on the dates XX/XX/XXXX, XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

On XX/XX/2020 I set up automatic payments with the Kohls third party collections company XXXX XXXX. My payments were never processed and without my knowledge Kohls was said to have called my account back. Once I realized my payments werent being debited I called XXXX and they told me I had to call kohls ( XXXX when I realized ) and that XXXX  could not take my payments. I called kohls and they told me that my account was with XXXX  and I needed to call them and kohls could not take my payment either. This has gone on since XXXX and when I set up those payments my account was estimated at me owing XXXX or so. My account now shows that I owe nearly XXXX. All I have been wanting to do is pay my balance As it was when I made my last payment in XXXX. Kohls will not remove any late fees etc and not sure what to do. I am in credit counseling and trying to pay all my debt and this one account has tanked my credit score. I have XXXX children and thank God my husband. However, we do not have a ton of money or I wouldnt be in this position. Thank you for any assistance or guidance I can get
Product: Money transfer, virtual currency, or money service

Hello, PayPal has limited my account ( On XXXX XX/XX/XXXX ) for 6 months, And after that, they withdraw my money coming from selling on XXXX to another Account PayPal ( ON XXXX XXXX XXXX ). Without my authorization. 
( 3 operations with proof currency : XXXX USD XXXX CAD and XXXX EUR ). 

I have written and called the customer service but no solution at this time. 

I like to have all my fees paid for all four years with PayPal, and damages Because my activity is stopped by PayPal. ( I'm an honest XXXX  on XXXX  ). I XXXX XXXX XXXX   on XXXX only that. 
( No case with buyers on XXXX and Paypal  too ) They tell on one email : PayPal has taken my money like damages because I dont respect the policy of PayPal! 


From : PayPal Customer Support Mark As Unread Print Delete RE :  Email address XX/XX/XXXX at XXXX Dear XXXX XXXX, Thank you for contacting PayPal regarding the limitation on your account. 
PayPals User Agreement explicitly states that sellers who violate our Acceptable Use Policy may be liable for damages up to {$2500.00} USD per violation. These violations may include the sale of prohibited Adult or Offensive Content, Drugs, Counterfeit Goods, etc. We have dedicated teams and robust internal processes to ensure adherence to our policy, and the company may look to recover damages from sellers who have broken our agreement. 
Sincerely, PayPal -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Copyright XXXX  PayPal. All rights reserved. 
Responses to this email address are not monitored. 

Sent : Thursday, XX/XX/XXXX XXXX XXXX ( XXXX ) PayPal Customer Support :
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been showing three hard credit inquiries on my credit report with all three major credit agencies including XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, with XXXX credit reporting ... ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, all with Transunion Credit Reporting agency and XXXXXXXX XXXX XXXX, XXXX XXXXl XXXX XXXX XXXX all with XXXX XXXX XXXX XXXX.I have never filled any applications out with these companies nor have I ever provided a authorized signature with any of these companies to run my credit as these need to be removed from each credit agency accordingly and in conjunction with the FCRA.Will you please help me get these removed from all three credit reporting agencies as I did not authorize any of these inquires? Thank you for your help and time in resolving these matters. XXXX XXXX
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX VALIDATION AND CEASE AND DESIST AND DO NOT CONTACT MY CREDIT Re : Halsted Financial Address : XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Account # : XXXX Dear Halsted Financial, I have not received a validation response to my request for verification on the debt. You have not sent me designation or proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. As you know under 15 USC 1692g ( a ) the CFPB recently increased the requirements of a debt collectors validation response to the following : Name and mailing information of the debt collector ; and Name of the creditor to whom the debt is owed ; and Account number ( if any ) associated with the debt ; and An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records ; and The current amount of the debt as of when the validation notice is provided.

None of the above were provided to me.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT ANY ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME AND ORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOF THE DEBT WAS ASSIGNED BACK TO UNDER FEDERAL LAW : Pursuant to XXXX XXXX XXXX, XXXX, XXXX & XXXX, XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XX/XX/XXXX ), and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount. 
Please do not look at my credit or report anything to my credit reports as I dispute, I owe this debt to you and that dispute should be stated in my credit report. Do not contact my credit report. 

Thank you for your immediate cooperation. 

XXXX 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 US C 1681. 
I have told Experian, XXXX XXXX and XXXX to reinvestigate these accounts : 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, they stated that everything was complete and accurate but how is that possible is the open date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) They are supposed to modify accounts that arent reporting correctly.

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 the information is inappropriate.