23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally file a complaint regarding deceptive and predatory lending practices associated with my loan for equipment purchased through XXXX XXXX. I believe I was misled throughout the financing process, and I am seeking immediate resolution regarding the misrepresentation of loan terms, the unauthorized use of a business name, and other unethical lending practices. 

When I purchased the equipment, XXXX XXXX connected me with XXXX XXXX to finalize the paperwork and discuss financing details. All paperwork and approvals I received from XXXX XXXX prominently displayed the name Simmons Bank, leading me to believe he was an in-house representative of the bank. At no point was I informed that he was actually acting as a broker, and there was no mention of broker involvement, interest rates, or fees in the documents provided to me. This lack of disclosure constitutes predatory lending by withholding critical financial information necessary for an informed decision. 

Additionally, I obtained the loan through my active business, XXXX XXXX XXXX, as indicated in my purchase agreement with XXXX XXXX. However, I was pressured into signing loan documents under a false business name, a fraudulent business practice that any reputable financial institution would recognize as improper. I made it clear to both XXXX XXXX and XXXX XXXX that I would only proceed with the loan agreement if I had a 100 % guarantee that I could transfer the agreement to my active business name. I was assured that this transfer would be possible, yet no such action was ever taken, putting me in a precarious legal and financial position. 

Furthermore, I was initially promised an interest rate of 7.41 %, as documented in an email from the lender. However, upon reviewing the amortization schedule, I discovered that the actual interest rate was 16.421 % a significant and deceptive discrepancy. This constitutes fraudulent misrepresentation, as I was deliberately misled about my financial obligations. Additionally, when I requested documentation detailing my interest payments over a full year, the lender refused to provide the information. When they finally did, they stated that the amortization schedule was " incorrect data '' used solely for IRS purposesa statement that, if true, suggests they are submitting false information to the IRS, which is illegal. 

Regarding the proposed settlement agreement, I do not believe I should be held responsible for any late fees or forced insurance charges, as these issues arose due to the lenders failure to uphold its fiduciary responsibilities. I have already made 22 payments toward the loan, in addition to a {$5000.00} down payment and a {$100.00} loan fee, totaling {$42000.00}. Given the lenders misrepresentation of interest rates, failure to disclose broker involvement, and fraudulent business name practices, I do not believe I should be required to make any additional payments. Had I been properly informed of the true interest rate from the outset, my payment obligations would have been significantly lower.
Product: Credit reporting or other personal consumer reports

I have reviewed my CONSUMER reports and i noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of ( XXXX, XX/XX/2021 ). Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I DEMAND these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! please see screenshot attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I like to file a complaint for fraudulent items listed on my credit report for the following : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX. I have reached out to these companies for more information to no avail. I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review and removed this fraudulent information from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

American cycle finance inc agreed in their privacy agreement that they would not report my nonpublic personal information to any non affiliates which are also Third parties, my XXXX consumer report show that American Cycle Finance Inc is reporting my non public personal information which is also breach of contracts.

American Cycle Finance Inc is also infringing on my rights to privacy pursuant to the privacy of act of 1974 5 u.s.c 552a & 20 CFR 401.25 which states the term " record '' means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education financial transactions, medical history and criminal or employment history and that contains his name, or the identify number symbol, or other identifying particular assigned to the individual, such as a finger print or voice print or a photograph ; The Gramm-Leach Bliley-Act states I have a right to not have my nonpublic personal information shared especially resulting from transactions such as payment history ( late payments ) pursuant to 15 U.S.C 6809 ( 4 ) ( A ), 16 CFR 313.3 & 16 CFR 313.7 American Cycle Finance Inc has cause me financial injuries making hard me to obtain credit for personal family and household use ruined my reputation & character.
Product: Mortgage

On or about XX/XX/2018, the complainant discussed receiving a reverse mortgage form All Reverse Mortgage staff of XXXX County, CA. As part of the mortgage she was required to set-aside {$19000.00} as a balance that she would receive out of the loan. After the loan appraisal was conducted, it was determination that a portion of those funds needed to be set aside for roof repair work, and she would receive the balance. The actual roof repair only cost {$12000.00}. She was promised ( at least twice ) that she would receive any residual balance ( promised to have originally been {$6400.00} ) and it would be remitted and wired directly into her checking account. At closing she provided check for this purpose. On approximately XX/XX/2018, the check for the roof repairs from XXXX Reverse Mortgage Servicing Department ( the mortgage company that the mortgage was sold to ), was received. However, the remaining repair set aside funds were never sent and were subsequently transferred to the complainant 's available line of credit instead of being returned to her as promised. When questioned about this matter, XXXX said that because she took a line of credit, that she is not due any residual funds as initially promised by All Reverse Mortgage. This statement was never clarified.
Product: Credit reporting, credit repair services, or other personal consumer reports

See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt was sold from XXXXXXXXContinental Finance XXXX XXXX XXXX XXXX I know this because I called Celt/Cont to make the payment, who sent me to XXXX. This debt was paid in full to XXXX XXXX on XX/XX/2001 despite NEVER receiving any communications from them. This is not an OPEN account with XXXX XXXX. I have disputed this account on multiple occasions because XXXX XXXX and XXXX XXXX XXXX report accurate information and delete the accounts as agreed. NONE OF THE INFORMATION MATCHES ACROSS AGENCIES. If the agencies are properly validating these accounts then shouldnt they all be getting the same information? Yet all 3 National Credit Reporting Agencies XXXX XXXX, XXXX, XXXX ) continue to ignore my disputes and mark it as verified as accurate. When, in reality, they can not even accurately or legally validate the account. I want these accounts removed from my credit report immediately in accordance with FCRA regulations. XXXX XXXX has illegally added this account as a NEW and OPEN account on my report. 
Inconsistencies include : Account Type, Account Status, Account Numbers, Date Last Active, Date Last Payment, Date Last Reported, Date Open, Payment Status, Credit limit, and comments. XXXX and XXXX have missing information. These accounts have negatively affected my ability to get a credit card, a loan, a mortgage, and they are negatively affecting my military security clearance.
Product: Money transfer, virtual currency, or money service

My Coinbase account has been locked since on or about XX/XX/XXXX. Apparently due to multiple invalid logon attempts after trying to change my password associated with opening an account with Coinbase 's exchange XXXX. ( email from Coinbase attached ). 

XX/XX/XXXX conversation with Coinbase support line at XXXX, ticket XXXX was opened with status of 'the issue has been properly escalated '. 

XX/XX/XXXX contacted Coinbase support was told the original ticket XXXX was not actually in the work flow due to some type of error on Coinbase Support 's fault. New ticket XXXX was opened and once again the status was 'it has been properly escalated '. 

Per XX/XX/XXXX email, I changed my password. I find it disturbing that I have the ability to change my password even though my account is locked. 

XX/XX/XXXX contacted Coinbase support at XXXX, yet another ticket, XXXX, was opened and was told 'Having investigated the issue, I am working with a specialist to address it properly ' XX/XX/XXXX, contacted support again at XXXX, spoke with XXXX , was told 'no new status, no eta, still escalated to highest priority. ' XX/XX/XXXX, contacted support via email, response as 'Ive just checked your account and can confirm that your request has been properly escalated. '
Product: Debt collection

I have asked this company for any signed documents they have that show I authorized or approved these charges. All they will send me is an itemized receipt. I then asked for them to only contact me via mail, but they continually call. I have blocked their number after each attempt, but they continue to call daily from different numbers.
Product: Debt collection

Credit collection services can not provide a wet signature for the alleged debts they are reporting each month to my 3 bureau reports. Credit collection services alleges I owe {$860.00} to XXXX but will not list it as medical debt, thus impacting my ability to secure financing. Credit collection services has failed to validate this debt with wet signatures from my person. I have disputed this allegation of debt multiple times on all bureaus. I do not owe this debt, I deny this debt. There is no reason I would ever need nearly {$1000.00} in labs when I am a healthy XXXX yr old with a state backed XXXX XXXX XXXX XXXX healthcare plan, as Im a XXXX XXXX XXXX. My co-pay for lab work is {$83.00} on my coverage plan. I believe this company can not provide a wet signature for this total amount of debt because it is not my own. I believe my information has been somehow transposed and they are attempting to collect an astonishing amount of debt from me on behalf of someone else. 

The debt is constantly being reported as an open account, which it is not. It is being reported as being open since XX/XX/XXXX which is also incorrect information based off of the time of visit for the alleged labs. The account is being reported under multiple companies on varying reports. XXXX has the reported debt collection company listed as XXXX and XXXX has it listed as Credit Collection Svcs. 

I have no contract with either of these entities. Neither entity has received permission to view any of my medical history, redacted or not. XXXX, the originator of the accounts has not received written or verbal permission to pass any of my information to a third party whether it was purchased or otherwise. I am requesting this {$860.00} collection be removed from my XXXX and XXXX report. XXXX has already deemed this collection incorrect and removed both. 

There is another {$110.00} collection from the aforementioned collection company reporting to both XXXX and XXXX. All information listed above applied to this debt as well. This debt falls under the new reporting act that states as of XXXX, XXXX medical debt under {$500.00} will not be listed on consumer reports. This debt should not appear on any report, nor should it be continuously reported as non medical or open each month.
Product: Debt collection

They call me multiple times a day for a debt that was already taken care of. I have asked them numerous times to verify this debt, and their response is just the amount I owe. Then they try to barter with me and say if I can pay half, they 'll close the account and not send this to the credit bureau. Since they are haggling with me on what I can pay, and do n't verify this debt - I believe this is a scam.
Product: Checking or savings account

Wells Fargo has been found liable for unauthorize account opening, unauthorized add-on products, sharing/disclosing personal information unauthorized, and charging overdraft fees when they shouldn't have. My previous account had been affected by all of the above. I have learned XXXX XXXX has been appointed a 3rd party service provider to help resolve these issues from Wells Fargo. It has taken several months to receive a reimbursement of fees from XXXX XXXX. All processing time frames have been exceeded. When I finally received reimbursement, I submitted the mediation form and faxed it in. Wells Fargo confirmed receipt of my mediation form and I was told someone will reach out to me within 7 days. That time frame was exceeded, and I was told I would hear something within a week, that timeframe too was exceeded. This is not acceptable & even more frustrating because Wells Fargo has caused financial hardship to me due to overdraft fees, add on product fees, etc. This has resulted in account bank account closures and a tarnish on my banking report. My reference number is XXXX. My previous CFPB complaint case number : XXXX and Wells Fargo case number : XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, my dad wired {$6000.00} to XXXX to his account with HSBC XXXX. On XX/XX/2022, my dad was checking his account in XXXX to make sure the money arrived to his account and it never did. We called out bank ( sender ) and told us the wire was sent and should had arrived by now. My dad and I reviewed the wire form and spoke to USBC XXXX and we were told by the Branch Manager the information was incorrect. The customer service rep at that location in XXXX had given us the wrong wire instructions. Our bank started sending requests to HSBC fed line requesting to return the funds or credit the funds to the account in XXXX & gave them the correct bank info and they did response at first but the money is still missing and our bank continues to send emails with no replies., but now its been several months and still have not heard nothing from them. We have also kept in contact with HSBC XXXX and tell us they can not help or answers our questions to where the money is. 

We feel that this was not our fault and the customer rep. gave us the wrong wire instructions. 

On XXXX XXXX, my dad was admitted to the XXXX  with XXXX and XXXX and is now suffering the consequences of this terrible XXXX He is still in the XXXXl and it will be a long recovery. XXXX may not be a lot, but it is to him and my mom who desperately need their money back and unfair they are not getting any answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts : XXXX XXXX Bankruptcy XXXX XX/XX/XXXX XXXX XXXXXXXX {$740.00} acct # XXXXXXXX XXXX acct # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX 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 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, {$1100.00} acct # XXXX, {$3300.00} acct # XXXX, {$2300.00} acct # 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. 

There is no third party that assisted the generation this letter.
Product: Debt collection

I am being sued by this law firm for a debt already settled and paid in full the agreed amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent proof in to Experian that the addresses on my credit report is inaccurate. They have added another address to my file that I have no clue about. Every time a family member move Experian will attach their address to my name and this is a violation of FCRA. I have write CFPB about this issue before and it seems that no one is doing a proper investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  account is paid off and in full but show multiple late payments which is incorrect. When I have notified the company, they simply tell me that the information is correct but refuse to provide proof or assist furthers Payments made from XXXX account ending in XXXX : XX/XX/2021 ACH WITHDRAWAL XXXX XXXX  {$330.00} XX/XX/2021 ACH WITHDRAWAL XXXX XXXX {$120.00} XX/XX/2021 ACH WITHDRAWAL XXXX XXXX {$120.00}
Product: Credit card

It is unreasonable that my history of timely payments for this account is not being acknowledged. I kindly request immediate action to update my account to reflect this accurately.
Product: Credit card or prepaid card

Synchrony Bank sent me a letter dated XX/XX/XXXX that they decreased my credit limit from {$510.00} to {$100.00} based off of a credit report they received on XX/XX/XXXX. Prior to this they dropped my credit limit from {$900.00} to {$510.00} in a letter they sent me dated XX/XX/XXXX based off of a credit report obtained on XX/XX/XXXX. Both times my credit limit was dropped to increase my credit utilization even when my account payment history with Synchrony Bank paying my account on time every time since I have opened my account. The reasons for them lowering my credit limit. They not only did this with my XXXX XXXX Card but they also did it to my XXXX XXXX Card as well. Other credit cards have increased my limit for excellent payment history. Synchrony Bank has punished me causing damage to my credit score by decreasing my credit limits close to my balance owed to show high credit utilization. Prior to this I had paid down my card under 30 % so my utilization was in a favorable status however they decreased my limit causing my utilization to increase and my score to decrease. I am filing a complaint because their practices are unethical and are hindering me from raising my credit score making my credit history unfavorable to other lenders.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfil its legal obligation under the fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experiences, where Experian has neither corrected now removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

FinancialreturnedThis is my 3rd complaint against this particular Collection Agency. First, the Collection Agency called my personal cell phone about the debt and threatened to ruin my credit if I did n't agree to attempt to resolve the debt, even though I denied the debt being mine. Secondly, the Collection Agency did not send me a Dunning Letter the required 5 days after contacting me by phone, but placed the collection on my credit files, which is in fact a violation of FDCPA. Only after I disputed the validity of the collection, did the Collection Agency attempt to " Partially '' validate the debt. I disputed the validity of the debt a second time and the Collection Agency attempted to " Partially '' validate the debt, sending paperwork duplicate to their first response. The Collection Agency also stated in their letter that they would simply refuse to validate this debt any further. I attempted on a third occasion to have the Collection Agency validate the debt in its entirety by sending them a Validation Letter by CERTIFIED Mail, Tracking No. XXXX, by which the mail was returned to me stating that it was not deliverable and unable to forward. Yet, I sent this Certified Mail to the address on the Collection Agencies Letterhead. The Collection Agency, being Financial Management Solutions has also REPEATEDLY placed Documented ( HARD PULL ) Inquiries, one of which FALSELY STATES that I 've recently applied for credit for an Installment Loan, on my Credit File which negatively affects my Credit Score, which is exactly what Financial Management Solutions explained that they would do. The Collection Agency also continued to Negatively report to the Credit Bureaus while the debt in question was under dispute. Financial Management Solutions, continues to report negatively on my credit files, even though they have stated that they are No Longer handling this particular collection.