23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Ally Bank uses criminal thuggish tactics in an attempt to collect payments because I fell behind in my car payments. Their tactics have caused me and my mother unreasonable harm. For example, last week on Monday XXXX XXXX, 2015, at XXXX XXXX, an agent of Ally Bank, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, repeatedly called my mother 's home. In Particular, one person who called, identified herself as XXXX XXXX, she pretended to be a law enforcement officer by stating that " she was with the investigation unit. '' She also disclosed that she was trying to reach me because they wanted me to turn in the car implying that it was a criminal violation to owe money on a car loan. That is bad, because it appears to be a violation of my consumer protection rights and a UDAAP. It is certainly an unfair practice that puts the bank and its depositors at risk because of possibility of claims and damage to their reputation - especially if XXXX XXXX takes interest. 
As I said, that was bad, but it was not as bad as it gets. Later that night or rather in the middle of the night at XXXX XXXX the next morning, another agent of Ally Bank, XXXX XXXX XXXX of XXXX XXXX, actually came to my mother 's house. He pounded on her door and woke her up in the middle of the night! 
Imagine this : she looks out the window and sees someone with a flashlight in her side yard and backyard - and then actually pounding on the door in the middle of the night. She opened the door to a man in a uniform with stripes on his pants who identified himself as from the " XXXX Investigative unit! '' saying he was looking for XXXX XXXX. She said " for what? '' he repeated the question and then said he was looking for XXXX 's XXXX XXXX. My mother told him she was calling the local police. She then came back to the front door with her phone in her hand and asked for his name and rank, He handed her a paper and said " You are served!!! '' She was scared to death, he appeared to be armed, but as she said she was calling the police he quickly left. He tore down the street out of town and went back to XXXX, XXXX where we believe that operation is located. My mother was confused and did not call the police. She then looked at the paper he gave her and then she read that It only said " Sorry I missed you. '' I have the paper for you to review. But their tactics made her believe it was a legal process. Again, what government agency allows people to pretend to be law enforcement and knock on peoples ' doors in the middle of the night? 
Finally, I tried to catch up on arrears because of this intimidation and then they told me that they would not take the back payments that I had to pay the balance in full plus additional charges for their thugs. My account with Ally is XXXX.
Product: Mortgage

On XX/XX/XXXX, we completed an initial mortgage application with Wells Fargo and shared with the Mortgage Consultant the specifics of the property we were interested in. On XX/XX/XXXX, we received pre-approval for the amount on the listing of the home. We made an offer to the seller on XX/XX/XXXX and it was accepted on XX/XX/XXXX. On XX/XX/XXXX, we began working in deeper earnest with Wells Fargo to finalize the mortgage, including paying for the appraisal to be contracted via Wells which was ordered on XX/XX/XXXX. 

Since XX/XX/XXXX, I have emailed, called, and escalated our request for appraisal through the Mortgage Consultant, Loan Processor, and filed an official complaint at Wells Fargo on XX/XX/XXXX to no avail. 

We have acted in good faith throughout the process and provided requested documentation within 24 hours of notification. All necessary paperwork is complete, but we can not close on this home as originally scheduled for XX/XX/XXXX because Wells Fargo has not completed the appraisal, will not tell us how they contact appraisal companies, will not advise on action after given a list of appraisal companies in the area provided by the seller listing agent, and can not speak to the fact that my inquiries to other local banks have revealed that appraisals in the area are taking up to - but no more than - 3 weeks. 

Wells Fargo has had our money for this appraisal for over 4 weeks and has not yet contracted a qualified agent. Somewhere around XX/XX/XXXX, an appraiser in the network " picked up '' the order for appraisal, then released it back to Wells, refusing the appraisal, on XX/XX/XXXX. During that same week, we were told by the Mortgage Consultant that 9 appraisal companies had refused the work. Wells Fargo personnel could not tell us why they allowed an appraiser to refuse the work, even after an official complaint had been filed. 

The home in question is inexpensive in a rural location. We understood the appraisal could be challenging compared to a more expensive single family home in the city. This is why we chased this aspect of the mortgage process down to vigilantly. While the policy of not having undue influence on appraisers is understandable, there seems to be a lack of understanding internally about whether a provided list of qualified appraisers in the area could be or had been contacted. The Wells Fargo appraisal management system is not functioning in the same manner as other mortgage company experiences in the area. Appraisers are working, they are just not working for Wells Fargo. 

Wells Fargo is allowing their appraisers to practice discrimination against purchases of inexpensive and rural home when they allow vendors to pick and choose the simplest work and refute a more challenging appraisals. Wells Fargo approved appraisers should not be dictating whether Wells Fargo is able to complete the mortgage process as advertised and promised. By not reigning in this behavior of it's appraisal management companies, Wells Fargo is, by association, also engaging in discriminatory practices,
Product: Credit card or prepaid card

On XX/XX/2019 Netspend is currently my trusted bank and they misused my funds for their own personal use. Netspend withheld held my funds from me when I mentioned I was in a state of emergency. A netspend phone representative did not allow me to speak to a supervisor to discuss some financial matters on my account. On XX/XX/2019 I reported my card stolen and requested for a replacement. On XX/XX/XXXX I sent some money from my netspend account to western union   for pick up. XX/XX/XXXX at XXXX I tried to transfer again however I was denied. I tried to call netspend, the automatic phone responder claimed that the call center was closed during advertised business hours. XX/XX/XXXX at XXXX A phone responder denied me access to her supervisor. The operator explained that the reason for me being unable to make a transaction on the account is because I didn't have an active card. This is not true I made a transaction XX/XX/2019. The representatives continuously lie and give customers the run around. This company is practicing deceptive practices such as keeping customers money and misleading information regarding their accounts. This company offers many services that they do not provide.
Product: Checking or savings account

I had noticed several suspicious transactions on my account, Wells Fargo had caught them and didn't let them go through. on XXXX and XXXX I received 2 notifications of XXXX transfers on my account for {$3500.00} and {$7500.00} and I denied the requests sent through text from Wells Fargo. After this had happened, I called and reported the fraudulent activity to Wells Fargo. Instead of changing my account number and login information, they just put in for a new debit card request. Within a few minutes I received a phone call from Wells Fargo Fraud claims. This person had to have been a Wells Fargo employee either current or ex employee. The Phone number they had called me from was the verified Wells Fargo phone number and they literally asked for all the same things Wells Fargo asks for on every phone call. I honestly feel as if this was an inside job from Wells Fargo. At this time my account should have been locked in order to prevent fraudulent activity but it was not, due to neglect from the employee I reported the fraud to. Instead the person I was on the phone with cleaned out my account with 2 wire transfers, one for {$6500.00} and the other for {$7500.00} totaling {$14000.00}. which was basically all of my money in my checking account. they left me {$35.00} in my account. After checking and seeing my account was cleared out, I immediately contacted Wells Fargo and they setup a new account number and login information which should have been done on the first call I made to report the fraud before it was committed. I just received a letter from Wells Fargo stating that they are not liable and I'm now out {$14000.00} I called to dispute and I got absolutely nowhere with them.
Product: Credit reporting or other personal consumer reports

Account don't belonge to me XXXX  XXXX XXXX XXXX XX/XX/year>
Product: Mortgage

My complaint about SYNOVUS Bank as follows, I own a gas station known as XXXX XXXX XXXXXXXX located at XXXX XXXX XXXX GA XXXX. I financed this business through SYNOVUS in XXXX, I had an interest rate of 3.5 % around XXXX the interest rate went up to 5.5 % and it remained the same until XX/XX/XXXX. 
During the pandemic I kept the business running so people could get gas for their car and other necessities, I had no employees because no one wanted to work in a retail environment, it goes without saying how much difficulties I was facing physically and financially but I had no choice but to keep the store open. While sports teams like the XXXX XXXXXXXX and high-end eateries like XXXX XXXX XXXX were getting SMB disaster and PPT loans, I was having no luck. 
Meanwhile my loan with SYNOVUS was up for renewal in XX/XX/XXXX, suffering from a down trend in business I have asked the bank to lower the interest rate so that my payment would be reduced which would be a big help for the business financially and ensure we can remain open and running. After asking for interest reduction what transpired was unbelievable, to this day I am in disbelief that banks can act the way they acted with me. I am going to describe this situation in brief. 
After I had requested an interest reduction, the bank started to send me to different loan officers, and I was getting nowhere, finally a loan officer told me I needed to go to their Branch and sign renewal documents ASAP otherwise the bank would put my property on Auction. So being afraid of losing my business I went ahead and signed the document paying double to triple amounts of money for Inspection, document fees, i.e. For your information, in 13 years I was never late with my mortgage payment, I had no non-compliance issues, all in all I had an impeccable history with the bank. After lodging a written complaint with the banks executive office, I got an email from Mr. XXXX XXXX XXXX who claimed to be the General Council for the bank, I had a few email exchanges with this gentleman but so far, I am not aware of any action bank took to address this unethical and unprofessional behavior by one of their employees.

I contend I was discriminated as a minority business owner and this was a predatory lending practice by SYNOVUS, therefore I urge you to look into this matter and take necessary actions and ask them to compensate me for my loss and adjust the interest rate to current market rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested my disclosure documents for opt out of this reporting and they have not responded in 30 days of receiving
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate this account under 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 acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 USC 1681. 

Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

consumer portfolio services says I owe them XXXX when I do not have this loan with them and all there money was returned to them I have proof from the car dealer after the dealer sold me a lemon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep receiving notifications from my credit monitoring service, that my score SEVERELY decreased due to missed payments on my car loan. Although I HAVE NOT missed ANY payments, GM Financial has reported I have missed my payments for 4 months! I called GM Financial and they told me to dispute it, then they would correct it! I did and NOTHING was updated and/or corrected! I have NEVER paid 30 days late and according to FCRA and 15 US Code 1666b, inaccurate information must be removed and deleted immediatley! I have disputed the inaccurate information EVERY month since XX/XX/XXXX - present, which has been WELL OVER 30 days for GM Financial to correct it! Now, I feel I need to SUE becuase I am very distressed that they have reported late payments/past due info in my credit profile due to damaging effects on my credit standing! 

Also, I purchased this vehicle in XX/XX/XXXX and I have only had the vehicle in my possession for XXXX months! The remainder of the months it was in the REPAIR SHOP with MAJOR issues, icluding leaking GASOLINE inside of it, which has also caused me to now have XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance to the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states that I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a late payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

NewRez - Shellpoint Mortgage reported me for being late on my mortgage payment for XX/XX/2021 in the amount of XXXX. During the pandemic I am struggling to keep afloat and pay them within every month. My mortgage payment is XXXX. If I am current in XXXX & XXXX How can I be delinquent XXXX in XXXX? This is incorrect reporting. I might not pay on the first but I never pay after 30 days. This not fair to people that work hard to make ends meet. You have people that are on forbearances because of COVID19 that can afford to pay. I have been affected by COVID19, and I am making ends meet but this is how they treat me. Report inaccurate information on my credit report and call me daily. I requested a Life of Loan payment history, and Escrow Analysis. I still have not received that. They are sending me letters requesting foreclosure fees paid, when the loan was modified and foreclose fees are included in the MOD balance as capitalized interest. This company is doing illegal things. I would like a copy of the lifetime of the loan payment history and escrow. So, I can look at the capitalized interest. this is a new servicer, and they are like a debit collector. You cant collect on fees that are included in the balance when the loan were modified.
Product: Checking or savings account

I received a e-mail from a XXXX XXXX after filing a complaint to the XXXX XXXX XXXX XXXX. XXXX XXXX told me via voicemail that the XXXX XXXX XXXX XXXX provided my information to him. I tried getting in contact with him and haven't been able to. He tells me to only contact him by telephone. I went to my local Bank of America close to my home and spoke to a banker, not the bank manager this time. I also spoke to a live representative on the telephone who stated she doesn't know a XXXX XXXX. The banker who assisted me suggested it was spam or an impersonation. So I am writing to verify who reached out to me. 


Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate and verifiable credit information. I need that you eliminate these late payments on these accounts because they are reported wrong. You should corroborate your information and remove the negative information on these accounts. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please correct the late payments from these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing XXXX inquiries fraudulent form my Transunion Credit Report. XXXX XXXX XXXX and XXXX XXXX XXXX. Listed Inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark these inquiries as fraudulent and remove from my Transunion Credit Report.
Product: Credit reporting or other personal consumer reports

An account listed on my credit report is inaccurate and erroneous. And according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX XXXX is inaccurate and should not be listed on my credit report. Dates are not reporting correctly, date last active, date of last payment, 30/60/90 are different on credit reports. This account was already removed from one report for multiple violations of the fcra. Ive attached screenshots of this account from two different credit reports. And they differ greatly, and at the same time both are wrong.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C. 1681 Section 602 A, states I have the right to privacy.
Product: Credit reporting or other personal consumer reports

I gave formal notice on XX/XX/year> per 15 USC 1681c2 and provided documentation, under the FCRA Equifax was REQUIRED to block and remove the information requested within *four business days*. Equifax received this documentation per certified mail receipt records on XX/XX/year> and has FAILED to comply with this request and deleted all items EXCEPT the XXXXXXXX XXXX  account # XXXX. 

This is completely ILLEGAL! I have been very patient, but have been keeping detailed records since starting my dispute against this account this year, as well as my follow-up complaints to the CFPB regarding their illegal reporting activity. This is a formal notice to Equifax and the CFPB for failure to comply with my block and delete request under 15 USC 1681c2. Again, the fraudulent account, XXXX XXXX  account # XXXX, remains on my credit report despite the four-business-day requirement mandated by law. If the fraudulent information is not removed immediately, I will escalate this matter to legal action. 

Please find attached my dispute letter, FTC Identity Theft Report # XXXX, supporting documentation, and a copy of the certified delivery receipt record from the USPS.
Product: Mortgage

It is now XXXX XXXX, XXXX, NewRez Mortg offers a change in payments in regards to monthly vs biweekly. The form is impossible to find which means you have to call. The ONLY people you can speak to are initial customer service reps. Any other department the customer is refused a transfer. The offer is to USPS mail any paperwork or fax. The mortgage company is capable and does electronic drafts so why can't a customer access any modern day business industry standard communication. The company either misplaces your expected email or doesn't receive the forms you are trying to provide. Changing my payments to biweekly has taken me over two months with REPEATED requests and followups on my end only. I do not know how the lack of electronic access has impacted other customers but it is frustrating and should be considered an unacceptable business standard. The only email the customer receives is a vague appreciation for contacting the business with no follow up.
Product: Vehicle loan or lease

The company is US Auto wrongfully repossessed my vehicle and then went out of business when I found out who then or was suppose to have the loan says they could not find me in there system. Weeks after of trying to figure out what was going on I then started to receive emails from a company that says they assumed the loan but I no longer had the vehicle & I was never behind and I was not notified that I was in a position to be repossessed. Prior to that the engine blew after only having the car for 10 months I had to pay out of pocket for everything to be repaired.