23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I intended to make all loans current as soon as I could. I just recentley have gotten to a place financially where i can begun paying again. I was out of work with XXXX in XXXX. And out of work intermittenley all year due to an national chip crisis in the automotive industry. Sc unemployment took 6months to approve my lay off wages. I also had a XXXX XXXX for the past XXXX weeks. Sunset finance has worked wth me quite well but after explainung all this to them the calls, the at home door knocking and letters on my door step, contacting my relatives, sitting in my elderly mothers front yard or driveway etc etc need i say more ... it gotten way out of hand. And i will not pay anything because I am being harassed to do so. In the process of all this i also had to make a residence move in XXXX and did not informt he company ( not intentionally ) but somehow they acquired my new address and were waiting on me in my complex parking lot when i srrived after a very long frustrating day. I made a payment that day and informed the manager I would be back as soon as my short term XXXX began. But the day I cashed my 1st check the manager was knocking at my door at XXXX on a saturday for 2hrs straight. So i havent made a payment.
Product: Checking or savings account

My name is XXXX XXXX and I bank with Wells Fargo in XXXX XXXX XXXX XXXX. I have have paid the bank several hundred dollars in overdraft fees. Now it is XXXX and my acount is overdrawn XXXX and the bank is refusing my overdraft during XXXX. My overdraft is usually XXXX. After I knew my acount was overdrawn because of a plumbing issue I paid my electric bill and phone bill totalling less than XXXX in overdraft and the bank did not pay them. I support XXXX souls.
Product: Mortgage

On XX/XX/2022 I requested a Mortgage Broker to begin a FHA loan with two things. 1. I wanted it to be through the Texas XXXX XXXX XXXX XXXX to use the Down Payment Assistance Program. 2. To use the XXXX  XXXX XXXX program through the same process. 

Later, she discouraged me from doing the Down Payment Assistance program due to the high interest rates. While this is fine, she did not bring up or remember to apply for the XXXX even though it was requested. 

I should have mentioned it again and again to this lender because she forgot and was very terrible at communication. 

I would email regularly and never get a response. Several responses would be unanswered over the course of a month. 

Whatever you do, Avoid Lennar Mortgage if possible!
Product: Credit reporting or other personal consumer reports

Complaint Regarding Violation of 15 U.S.C. 1681b ( e ) ( 6 ) To Whom It May Concern, I am filing this complaint regarding inaccurate and unverifiable information on my consumer reports and the failure of XXXX to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( e ) ( 6 ). Details of the Issue : 1. I submitted a dispute to all three major consumer reporting agencies TransUnion, XXXX, and XXXX regarding inaccurate and unverifiable information on my consumer report. 2. XXXX, TransUnion and XXXX failed and left conflicting information on my consumer reports. 3. Under 15 U.S.C. 1681b ( e ) ( 6 ), CRAs are required to maintain a joint notification system to ensure maximum possible accuracy and consistency in consumer reporting. Their failure to update or verify this information demonstrates a lack of reasonable procedures to ensure compliance with this obligation. Harm Experienced : The conflicting information on my consumer reports has caused confusion and resulted in financial harm on multiple occasions from being denied loans as well as missed employment opportunities, and denial of credit, as creditors rely on inaccurate reports when making decisions. Relief Requested : 1. I request that XXXX, TransUnion, XXXX investigate the discrepancies on my consumer reports, verify the information, and update or delete any unverifiable or inaccurate data. 2. I ask for CFPB oversight to ensure that XXXX, TransUnion and XXXX comply with the FCRA and maintain reasonable procedures to ensure a joint notification system as required under 15 U.S.C. 1681b ( e ) ( 6 ). 3. I seek confirmation of corrective actions taken and assurance that they will implement measures to prevent such inconsistencies in the future. I trust the CFPB will address this matter promptly to protect my rights as a consumer under the FCRA. Thank you for your attention to this issue.
Product: Checking or savings account

On XX/XX/2024, i got the email stating my account has been temporarily suspended. I immediately logged onto the app to check the account but to my surprise my account was locked. I then proceeded to call SoFi customer service department to get to the bottom of it as soon as possible. I spoke to well over 7 different reps throughout the day about the freeze but could not get an answer at all. The reps would tell me to just check the app and nothing more. I have {$6500.00} in the account that i now can not access because of the freeze. To my knowledge i believe the trigger behind it were transactions that declined from my checking account due to insufficient funds. All my money was in my savings account ( XXXX ) and i forgot to transfer over some money the night prior to pay for everything. It was 8 transactions that declined over night which in my opinion may have triggered the fraud alert system. I've tried to speak to SoFi customer service about this but they still do nothing and tell me to just check the app. I have my car payment due, my rent is due, i have multiple bills i must take care of but now i can't because of this freeze and it's been quite frustrating. I'm also an investor in the stock market and make great income doing that as well and have been using SoFi checking and savings to recieve my income when i transfer funds from my portfolios. I need my account unfrozen and to get access to my money IMMEDIATELY! I recently moved from XXXX to XXXX and I havent changed my address yet for my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the 3 credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
Here are the list of items that needs attention in my credit report : XXXX XXXX XXXX XXXX  XXXX XXXX, MN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$5900.00} XXXX XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$5900.00} Medical XXXX Balance : {$110.00} Medical XXXX Balance : {$10.00} Medical XXXX Balance : {$75.00} Medical XXXX Balance : {$21.00} Medical XXXX Balance : {$80.00} Medical XXXX Balance : {$210.00} Medical XXXX Balance : {$31.00} Medical XXXX Balance : {$310.00} Medical XXXX Balance : {$28.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX  XXXX XXXX Balance : {$5900.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

In XXXX XXXX XXXX there was a fraudulent XXXX XXXX account opened without authorization. The identity thief had access to my personal information, mail and banking information. They opened up several accounts in my name while I was working and traveling abroad. Unbeknownst to me these accounts were open and active for well over a year. 

When I contacted XXXX XXXX to let them know these accounts were not authorized by me and that I was a victim of identity theft that scoffed at the notion and refused to remove the accounts. I have spoken with their fraud department on several occasions including in XXXX XXXX XXXX. Yet despite police reports on my credit profile and a police report I sent directly to XXXX XXXX they refuse to delete the account.

Currently because of the fraudulent account I can not conduct business nor obtain a new home because the account is severely damaging my credit standing. I ask that the account be deleted and my credit corrected expeditiously.
Product: Credit reporting or other personal consumer reports

I got a letter in the mail about a credit card I was supposedly applying for, but I havent been. After running a credit report check, I actually noticed several accounts that were not mine. I immediately contacted the companies ( Sephora & XXXX ) to close any accounts & dispute all charges. I spoke to XXXX in Sephoras account protection division on XX/XX/XXXX, in order to close that account. No documents were requested by the company, but I did ask for a confirmation letter stating that this account was not opened by me & that I would not be responsible for any charges made to it. I was told that I would receive that letter in the mail within 14 days. Today, XXXX emailed to let me know that Sephoras investigation is closed and they claim it is my account. It is not my account, nor are any of the three others that have been opened or tried to open in my name. Im not sure how much of an investigation was done, but I was not contacted again for any further information. I was only asked to verify personal information & if I had shopped at the store before.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have requested XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly. And 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. 

And they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting - XXXX XXXX and XXXX XXXX Capital One application reference XXXX XXXX XXXX XXXX, I have recently moved to XXXX XXXX XXXX, XXXX, XXXX, XXXX I am receiving mails related to a loan/credit application with several banks/companies applied by XXXX XXXX and XXXX XXXX XXXX my address XXXX XXXX XXXX, XXXX, XXXX, XXXX. 
Previous house owner also didnt know a person named XXXX XXXX and and XXXX XXXX. I am worried that this might be a financial fraud, can you please check at your end and tell me what actions need to be taken from my end. 

I prefer email communication as I can't remember each and every complaint Im making for this. 
Thanks, XXXX XXXX XXXX XXXX
Product: Student loan

On XX/XX/2022, I reached out to my student loan provider, Great Lakes, to request a student loan refund. The first representative to assist me said I qualified for a refund amount of {$17000.00} and would process the request as soon as possible. She explained that I would have to wait 8-10 weeks before seeing the refund appear in my bank account. 

After 10 weeks, I received no refund so I called again on XX/XX/2022 and requested a second refund. The second representative I spoke to confirmed that I still qualified for a refund amount of {$17000.00}. She told me that they had a new streamlined process and recommended I request my refund AGAIN and hopefully get it sooner that way. They told me it should be a 60-75 day wait, that I should check my FSA account for updates, and it should be deposited to my bank in a few weeks. 

On XX/XX/2022, I called again since I received only some of the promised refund amount through separate checks in the mail rather than through direct deposit as was initially told to me. Frustrated and concerned, I reached out if this was normal and when I should expect to receive the rest of the refund. The third representative I got ahold of told me this is common and he is unable to provide a timeline, but that I should continue to call Great Lakes. 

It is now XX/XX/2022 and Great Lakes and the US Treasury still owes me a refund amount of {$14000.00}. I would greatly appreciate if the CFPB can assist me in holding these agencies accountable so that I can get my refund amount. I understand that a refund does not mean forgiveness, but it would help if I could get this refund since these entities promised a specific amount and never delivered. 

I am especially annoyed with the customer service since I was told different things and it felt like the representatives sole role was to create confusion and not make things convenient for clients like me. Also, they made my loan amount larger on my student loan account making it difficult to tell how much I actually owe. I understand they have to reopen the loan to refund me, but the loan amount does not even reflect the {$17000.00} they promised. 

Attached below are a screenshot of my portal with Great Lakes and also the checks I have received thus far from the US Treasury totaling {$2700.00}.
Product: Credit card or prepaid card

On XX/XX/2021, I received an email from XXXX implying that I owed a balance of {$86.00} which is due by XX/XX/2021. When I logged into the account to check this inaccuracy I found that I have been being billed a finance charge five days after my billing cycle is complete. 

For example, in XX/XX/2021 the online portal indicated I had a balance of {$95.00} due XX/XX/2021. I separated this payment into two paying {$35.00} immediately and then scheduled the {$60.00} payment for the balance a few days later. That payment came out on XX/XX/2021. On XX/XX/XXXX, unbeknownst to me, I was charged a finance charge. I was not made aware of these charge, via email, text or mail notification. As a result Comenity applied a {$35.00} late fee to this balance. 

When contacting them on XX/XX/2021 the first representative reviewed the card history and stated he did in fact find the issue and could see that that {$60.00} payment was received on the XXXX which should have left no balance. He removed the late fee and the finance charge but found that there was an additional late fee applied previously. He stated his manager could take care of this one because he only had authority to remove one late fee. 

In speaking with two Managers ( XXXX and XXXX ) I was told that the late fee was applied to a balance from XXXX. I explained to them that I have not been receiving any billing communications which is why I logged into the portal myself and made the two XXXX payments. I explained that I recognized that late fees were being applied to finance charges that are being submitted five days after my bill cycle is due and that there should have been a XXXX balance after the {$60.00} payment because I paid in full what the online portal said was the total balance. After doing a review of what she could see on their end and what I could see in my account portal I was able to confirm that there is a clear discrepancy in the reporting. Nothing in my account indicates that I had a balance of {$140.00} in XXXX. XXXX offered a {$10.00} credit and said the total of {$45.00} was the best they could do to resolve this matter. After asking to speak to someone else 9 times, I was transferred to XXXX. 

XXXX also went through the same review as XXXX, I read to her the dates, balances, payments and finance charges that were in my visible view through the online portal, she confirmed that what we were seeing was different and stated that the home screen should be reporting the correct balance, despite the fact is was not each supervisor refused to remove the frivolous late fee and did not take into consideration the fact they drop the ball on providing invoices or text alerts which I am signed up for. 

I asked for the card to be closed and I want this balance to be cleared. It is absolutely ridiculous that I have maintained a great credit rating with XXXX XXXX, XXXX and XXXX XXXX only to have a subpar clothing company impact my credit through frivolous practices such as billing for a finance charge outside of the scope of normal use to obtain additional late fees from customers. This practice has to be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been reporting inaccurate information on several accounts and refuse to send me the original paper work or contract with my wet ink signature. They have reported XXXX XXXX XXXX act # XXXX inaccurate information on my credit report, they are reporting that the account Date Opened : was on XX/XX/XXXX, which is inaccurate, High Credit : {$12000.00} also inaccurate Date of Last Payment : XX/XX/XXXX which is incorrect. 

XXXX  is inaccurately Reporting XXXX XXXX act # XXXX date opened XX/XX/XXXX, which is inaccurate, high credit {$0.00}, date last active XX/XX/XXXX, which is inaccurate. 

XXXX  is inaccurately reporting XXXX XXXX act # XXXX date open:XXXX, High Credit : {$0.00} Experian is inaccurately reporting XXXX XXXX XXXX account # XXXX inaccurate date open, high balance, amount owed
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$2000.00}
Product: Mortgage

Rocket Mortgage ordered an appraisal for my refi application. The appraiser was shady in reaching out to me to schedule an appraisal, changing the appointment multiple times and sending me confirmation texts back to back for odd times. I never spoke with the appraiser or company owner, just the administrative assistant. Rocket never answered my complaints about the appraiser. When the appraiser did finally do the job, the estimate came in MUCH lower than a prior independent appraisal done two weeks before. Rocket Mortgage would not proceed with my refinance, would not hear my complaint, and would not consider ordering another appraisal. I am directing my complaint to Rocket Mortgage and XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, 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 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 reporting, credit repair services, or other personal consumer reports

I have disputed three ( 3 ) accounts from XXXX XXXX more than three ( 3 ) times with XXXX, Experian and XXXX. These accounts are listed as : XXXX XXXX : {$580.00} XXXX XXXX : {$610.00} XXXX XXXX : {$400.00} XXXX XXXX is reporting this inaccurate information to all three credit bureaus. I have the right to a fair and accurate credit report,
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX of this year, I filed a complaint regarding the account WFBNA CARD ( XXXX ), which has been legally paid and has a XXXX balance. My issue focuses on the fact that it is reported as a charge-off with a series of negative remarks according to the XXXX bureau, showing it as a collection account, which is seriously affecting my credit status. For this reason, I disputed this report with the company itself, requesting validation through documentation that would confirm that the account could be reported on my credit history even after being paid. However, their responses were limited to a compilation that did not contain information validating the continued reporting on my history. Upon analyzing my report, I found that the account is reporting incomplete information among the credit bureaus, which represents a violation of my consumer rights established under 15 USC in the following sections : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681n : You have failed to provide me with clear and conspicuous notice of my rights under the FCRA.
Product: Vehicle loan or lease

We have had email after email offerng a settlement offer, each time XXXX reply please send me information for an agreement its silent. Today I get an actuve reposession email and finally a payment amount to send. I need XXXX days to gather funds and send in to them now that I have an amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit reporting act Account XXXX has violated my rights 15usc 1681 section 602 a states I have rights to privacy. 604 a 15usc 1681 section 2 states consumer agencies cant publish account without consent XXXX   and transunion