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

I was coerced into opening a checking and savings account by an employee of Wells Fargo. Upon her handling my cash of {$200.00} she stole {$100.00} and only deposited {$50.00} per account. I raised an alarm and even called the police to investigate. 
The Wells Fargo has since gone out of business and I was never reimbursed.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX, XXXX I went to a check cashing center in XXXX California at : XXXX XXXX XXXX, XXXX California XXXX. I went there to specifically get a payday loan for {$200.00}. I asked the clerk, do you check credit for a payday loan? She replied " No ''. 
I said okay I would like to apply for a payday loan of {$200.00}. She took my personal information, and processed the application for a payday loan. At no time did the clerk ever tell me that I was applying for a XXXX XXXX XXXX loan. That loan is not a payday loan. 
No where on the payday loan documents does it say the word XXXX XXXX XXXX. I had never heard of XXXX XXXX XXXX until I received a letter from then from a phony address over a month after I had already paid back the payday loan. I received a letter stating that I had applied for a XXXX XXXX which is a lie. It stated that I did not qualify for the loan and that they had accessed both XXXX  and XXXX. They violated the Fair Credit Reporting Act by illegally accessing my credit reports and doing what is called a hard Inquiry. What really is happening is that XXXX XXXX along with check cashing businesses are going behind consumers backs and attempting to use their personal information to open up loans. This is illegal and its identity theft along with a direct violation of the 1964 Civil Rights Act, Criminal Identity Theft California Criminal Code 530.5 PC # 619 obtaining  information under false pretenses. I contacted the Check Cashing CEO and I made an undisclosed settlement with the Check Cashing for these violations. That does not excuse them from breaking the law. XXXX XXXX has continuously lied about this. XXXX XXXX does not have a signed loan application with my signature on it which is required by federal law, and state of California law. I do not intend to allow them to get away with this fraudulent behavior. So I realize that CFPB will only contact XXXX XXXX and tell them to contact me. This will not solve this injustice, and I intend to bring the full law down on them in Federal Court very soon. 
XXXX XXXX XXXX is using numerous names, like Lendify and Insikit, they use several false addresses also, and they have false information filed with the Secretary of State in California. They were recently sued in Federal Court in the northern district of California, for breaking other consumer laws on loans. XXXX XXXX XXXX address is : XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX California XXXX. XXXX XXXX XXXX, uses voip to send all calls to a third world country where the people who answer their line can not speak or comprehend english, that number is XXXX. I expect this complaint should be turned over to federal investigators because I am making a direct accusation that I am not the only victim of this fraud. I am sure they have done this to other people who think they are applying for a Payday Loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found inaccuracies on my report. 


XXXX Account # - XXXX XXXX If, 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 ;
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  Account # XXXX and XXXX XXXX XXXX XXXX Account # 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 a account without my written instructions
Product: Credit card

I had an account for many years with Bank of America ( revolving credit card # XXXX ) and always paid on time there is one late payment in the history which is not accurate. I have disputed this remark with no outcome. The late payment is reflected on XX/XX/XXXX. Please help I feel this is an error as I always pay my bills on time.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that the information it contains is inaccurate and incomplete, including incorrect account details, incorrect late payments, or other missing information. 

This inaccurate information is negatively impacting my credit score, and I believe it is incorrect. Under 15 U.S. Code 1681s2, furnishers of information are required to ensure the accuracy of the data reported to credit agencies. As such, this erroneous information is damaging my credit. 

Additionally, under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. I kindly request that you investigate this matter and either remove or correct the inaccurate information on my report. 

I have attached a copy of my credit report highlighting the incorrect information for your review. Please take prompt action to correct this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has been reporting to the New Jersey Division of Taxation that I owe money for something that is incorrect. My taxes are held every year and then released after it is established that I do not owe anyone. They now have my anchor benefit check on hold for the same reason. I want this information removed from the State of New Jersey 's Taxation Division permanently so that I can receive my check and all future checks without having to wait for a response from them. my next step will be to file a lawsuit against them for falsely sending information about me.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX XXXXXXXX Account # 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 a account without my written instructions
Product: Checking or savings account

On XX/XX/XXXX and XX/XX/XXXX of this year, TD Bank imposed overdraft fees and processed transactions in such a way as to cause excessive and unnecessary overdraft fees against my checking account. This is currently occurring again, and my account now sits at - {$15.00} as I have been assessed {$140.00} in fees over the last month, while my wife recovers from a XXXX XXXX XXXX an we have XXXX small children to feed. 

When I contacted them via secure message, I was first told that they could not help because months ago, they reversed a fee that was caused exclusively by an automatic transfer from my TD checking account to my TD savings account. I immediately reversed that transfer, before the fee was even imposed, and the money never left their bank. After that I received generic responses and finally, no response. 

On XX/XX/XXXX, an online utility payment came through as TWO charges ( without warning ), splitting the actual payment from the fee. Of course they run the payment first and then the small service fee, triggering 2 overdraft fees in the amount of {$70.00}. 

That same day, there are a number of XXXX and XXXX transfers finally released - but not before they process a phone payment. They save that fee for the next day, though, so I'm not expecting it and they can lump it in with another one.

So then AGAIN, a transfer requested on the XXXX wasn't acknowledged until the next day, after a gas run that it would have covered. Another {$70.00} in fees, for that and the previous day 's phone bill. If not for the {$70.00} in initial fees, we wouldn't have accumulated the second {$70.00}. 

TD Bank claims that they process payments and whatnot in the order they're received, but they don't. They hold things in pending status, they lump together overdraft fees to suit themselves, and they refuse to work with us. They exchanged one unfair practice for another, getting rich off the poor.

Now, most recently, they are forcing ANOTHER egregious fee on a {$2.00} XXXX XXXX trial - when the rest of the order already posted. That right there is an easy {$35.00} fee for them, plus the {$35.00} fee to pay our internet bill that had been cut off, overdrafting the account {$15.00} when we've been swamped with fees and no one there cares.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Foreclosure Sale Despite Filed Temporary Restraining Order Dear CFPB, I am writing to file a formal complaint concerning a foreclosure sale that occurred on my property, despite my filing of a Temporary Restraining Order ( TRO ) with the court. This situation has caused significant distress and financial harm, and I believe it warrants your immediate attention. The details of my case are as follows : - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX **Case Number : XXXX **Date TRO Filed : ** XX/XX/XXXX Despite the legal protection provided by the TRO, XXXX proceeded with the foreclosure sale XXXX directly violating the court 's order. This action not only undermines the legal process but also raises serious concerns about XXXX 's compliance with state and federal regulations regarding foreclosure practices. I have made numerous attempts to communicate with XXXX regarding my situation and to seek a resolution, including submitting loss mitigation packets and requesting mediation. However, these efforts have been ignored or denied, leading to this unfortunate outcome. 

I respectfully request that the CFPB investigate this matter, as it reflects poorly on XXXX 's adherence to consumer protection laws and ethical lending practices. It is crucial that consumers are safeguarded from such violations, especially when they are actively seeking to resolve their financial issues through legal channels. Thank you for your attention to this pressing matter. I look forward to your response and any assistance you can provide. 

Sincerely, XXXX XXXX
Product: Mortgage

Dovenmuehle Mortgage violated 12 CFR 1024.3 by failing to return my impound account funds within 20 days of the loan settlement as required by law. More than forty days after the funds should have been disbursed, they contend it will take an additional five days to cut the check. This is inappropriate.
Product: Mortgage

Case number : XXXX ] Please except my apology for not using my account log in, However I could not Log in to follow up on the status of my previous complaint. 
There is essential information regarding my residence, After meeting with a new attorney located within the XXXX XXXX County Court House to request Legal assistance with filing an appeal decision to the Judge deciding with my current lender " Ocwen '' for thier unfair lending practices. It discovered y and my families case ; was the first case the judge resided over andour case was extremely complicated!!! We are still residing with our home after a period of # 2 years which was a result of vigorous fighting on our part to prove Ocwens mishandling of our Mortgage. Following our last attended court date which happens to be # XXXX of only # XXXX in a period of # 2 years the Judge stated he would render his decision in # 28 days. To our astonishment we received notice from our former attorney, the judge closed our case and sided with our lender without ever looking into the documented legal history of this servicing company within only one week interim. I am submitting this information due to the appeal timing and under duress of only # 2 day 's remaining before we loose all rights and Ownership of our property. We feel due diligence within the discovery process has not been served and Due process has not been considered, Ocwen has received and are currently receiving more complaints daily than all other servicing companies combined!!! I would appreciate your assistance in this most important matter. ( without rendering legal assistance ) understood. My Congressman XXXX office personnel are assisting my family as well / I was referred to your agency via their assistance! THANK YOU FOR YOUR CONSIDERATION.
Product: Debt collection

I viewed my credit report and found this company, Wakefield & Associates, had entered a negative mark on my credit. I have not received anything from this company in regards to a debt being owed
Product: Debt collection

In XX/XX/2020, Two collections showed up on my credit report from Congress Collections out of no where. I disputed the first one for XXXX and it was immediately removed. I try disputing the second one for the amount of XXXX. Two different credit report agencies came back saying the account is accurate. I have never heard of XXXX XXXX XXXX nor have they ever contacted me to collect a debt so how could this just show up on my credit report. How can i prove a debt is not mine when i am unaware it even exists. The credit agency XXXX XXXX XXXX and Experian XXXX came back saying its accurate. How? Wouldn't i receive a bill at some point before a collection on my credit report. I dont know if this is fraud or what. Not sure what i need to do to get this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was patient when it comes to disputing my Credit Report as long as I see progress, but this patience grew shorter over time due to the Credit Bureaus negligence and indifference with their work! I have been trying to correct my Credit file through written appeals requesting the update and correction of the disputed accounts form my Credit File. The last letter I sent to the Credit Bureaus was XX/XX/2022 and up until now I am waiting for the Credit Bureaus to respond. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$920.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$2700.00} XXXX  XXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$540.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3000.00}
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  XXXX Account Number : XXXX Inquiries : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX :
Product: Credit reporting or other personal consumer reports

Kindly review the fraudulent and suspicious items on my credit report, which I've included in the attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report XXXX XXXX XXXX. It is an invasion of my privacy and a violation of HIPPA. I never gave consent for Experian to report this alleged debt and XXXX never had my consent. Experian has failed to do a proper reinvestigation. The are continuing to report it without validation it and it is a violation of the FCRA.
Product: Debt collection

They just gave the charge amounts with no proof of me causing those charges. Also, the dates referred after my lease had ended. Also they kept calling during work hours. They even made threats to my cosigner of continuously calling them during work hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX on XX/XX/2018 about the dispute I submitted today regarding an alert I recieved today. XXXX XXXX XXXX showed a collection item with XXXX XXXX XXXX XXXX, but was unable to validate it with me. 

XXXX fraud resolution stated that they don't have to get documents, they verity only the name, address, creditor, and balance. I said even if the account is NOT my debt. I requested that they verify the debt by getting contracts, payment history, or something to validate that debt is legitimately mine, or if they can't validate it to remove it immediately. 

They said they are in the process of investigating it. 

Sent Equifax a dispute requesting the same account validation stating that it was not mine.
Product: Debt collection

I received a call at my home for an individual thats unknown to me. I asked the name of the company and I asked specifically was this company a collection agency which from 3 different representatives I was denied a response but was given they cant disclose that and was hung up on. I also called back spoke with a manager XXXX which gave the same response. They refused to disclose the type of company after I asked several times. Also I have told this company which I recognize the phone number and told them not to call anymore because wrong number
Product: Student loan

Original amount {$41000.00} - paid for XXXX XXXX XXXX XXXX XXXX loans with XXXX XXXX XXXX XXXX XXXX : Request for Review and Discharge of Private Student Loans under XXXX XXXX XXXX  I am writing to formally address an issue concerning my private student loan, originally with XXXX and now serviced XXXX. This correspondence aims to outline the basis for requesting a review and potential discharge of my loan, pursuant to my eligibility under the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) lawsuit and XXXX XXXX XXXX XXXX 

To provide context, I am a fully recognized class member of the aforementioned lawsuit, which identifies fraudulent practices by educational institutions listed in XXXX XXXX, including my attending the XXXX XXXX XXXX XXXX, XXXX XXXX The lawsuit asserts that these institutions engaged in deceitful tactics, compelling students into unsustainable debt levels, which includes the origination of private student loans. 

Originally, the loan amount was {$41000.00} at an institution now implicated in these legal findings. XXXX, the initial servicer and subject of separate legal scrutiny for allegedly defrauding borrowers, subsequently managed these loans. 

In 2017, under circumstances beyond my control and necessitated by the removal of XXXX unrelated co-signers, I was compelled to refinance these loans to your company. 

It has come to my attention that XXXX held loans similar to mine are eligible for a complete discharge for affected borrowers under the same lawsuit. Given that the refinancing was not a voluntary decision but a requisite adjustment prompted by XXXX 's policies, I believe my loans warrant a similar reconsideration for discharge. 

Therefore, I respectfully request that XXXX review my case and explore the possibility of discharging my student loans, in alignment with the ongoing legal precedents and settlements directly related to the XXXX lawsuit. I am keen on discussing this matter at your earliest convenience to find a feasible resolution. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

AUTOMOBILE ACCEPTANCE is sharing my consumers private, personal, nonpublic, identifying financial information, transactions, and experiences to third parties, which include but may not be limited to consumer reporting agencies ; and these actions are causing the consumer to sustain injuries. I recently learned that consumers have privacy rights secured to them under the Gramm Leach Bliley Act 15 USC 6802 and the Fair Credit Reporting Act 15 USC 1681a ( d ) ( 2 ) ( A ), that requires any financial institution desiring to disclose/share and or furnish private, nonpublic, personal identifiable financial account information, transactions and experiences about any customer and or consumer, must first provide proper disclosure regarding its intent to do so, as well as give the consumer an opportunity to opt opt. AUTOMOBILE ACCEPTANCE are hereby notified of the following : ANY and ALL consent assumed or obtained by AUTOMOBILE ACCEPTANCE from the consumer, ( XXXX XXXX ) that granted it permission to disclose, share, or furnish the private, personal, nonpublic, identifiable financial information. transactions and experiences, whether it was expressed or implied is now REVOKED, TERMINATED, CANCELED, and RESCINDED retroactively to the date that such consent was presumed to be obtained, to-date. It was never my intention to willfully surrender any legal right to privacy, nor do I believe I have done so in any way, therefore I am investigating the validity of the " consent '' assumed or obtained by AUTOMOBILE ACCEPTANCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a certified USPS letter ( XXXX XXXX XXXX XXXX XXXX ) to Transunion informing them that the closed XXXX  account ending in XXXX had late payment for the months of : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I informed Transunion that those payments were not late, and the account was reporting incorrectly. I also sent Transunion copies of the my XXXX bank statement ending in XXXX, for the above mentioned months, showing that XXXX was paid {$2800.00} for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Transunion has ignored the proof that I sent them, and has not updated my credit report. 

Please find attached copies of the letter sent to Transunion via USPS certified mail along with copies of XXXX bank statements.