23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year>, a charge of {$2900.00} appeared on my Wells Fargo credit card. The following day, the vendor voided the charges. However, Wells Fargo did not reimburse the vendor for the voided amount. Instead, they charged me {$2900.00} on my account and have been collecting interest on this unpaid sum. Despite my numerous attempts to contact them through phone calls and emails, the issue remains unresolved.
Product: Debt collection

CRA violation fraudulent XXXX XXXX  XXXX account on my Equifax credit report. FTC ID Theft Report # 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 acct. # XXXX. 
XXXX XXXX : acct. XXXX XXXX 
XXXX XXXX : acct. # XXXX. 
XXXX XXXX : acct. # XXXX. 
XXXX XXXX adjusters : acct. # XXXX, has violated my rights. 


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 or other personal consumer reports

Experience has failed to fulfill is legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving in accurate or unidentifiable 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 experience where Experian has neither corrected nor removed disputed 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 Experians inaction violates federal law and my right as a consumer.
Product: Mortgage

I would to seek urgent assistance with a distressing situation regarding my mortgage account with Fifth Third Bank and investor of loan, XXXX XXXX. Despite being approved for a trial modification payment plan on XX/XX/year>, with payments beginning XX/XX/year>, I have been referred to foreclosure on XX/XX/XXXX with a sale date of XX/XX/year>. This situation has created severe emotional distress for my family and me and, in my view, constitutes a clear violation of federal regulations and fair servicing practices. 

Foreclosure Sale and Emotional Distress Since the referral to foreclosure, individuals have been coming by and taking pictures of my home, which has caused significant distress and fear for my children, who are terrified of the presence of strangers on our property. I have also been admitted to this hospital due to this stressful situation. This is deeply unsettling and unacceptable, especially as I have been actively complying with the terms of the approved trial modification plan. 

Trial Modification Payment Issues While I was approved for a trial modification payment plan on XX/XX/year>, Fifth Third Bank sent me a letter ( attached ) dated for XX/XX/year>, stating that the recent payment made was not the contractual one asked how I would like the payment to be processed because they were unsure. This contradiction and lack of clarity about the processing of my trial payments undermines my ability to comply with the modification and adds further stress to an already difficult situation. 

Violations of Federal Regulations and XXXX XXXX Guidelines The actions taken by Fifth Third Bank appear to violate multiple federal regulations and guidelines, including but not limited to : 1. Dual Tracking Prohibition : Under CFPB regulations ( 12 CFR 1024.41 ), a servicer is prohibited from initiating or continuing foreclosure proceedings while the borrower is actively performing under an approved trial modification plan. Referring my account to foreclosure after approving a trial plan directly violates this rule. 
XXXX. XXXX XXXX Servicing Guide Non-Compliance : XXXX XXXX guidelines explicitly prohibit referring a borrower to foreclosure once a trial payment plan is approved and active, regardless of whether the trial plan was solicited or borrower-initiated. 
XXXX. Fair Lending and Discrimination Concerns : The inconsistent and confusing handling of my account raises serious questions about discriminatory practices and fair treatment. I believe I have not been afforded the same opportunity to resolve my default as other borrowers.

4. RESPA and TILA Violations : Fifth Third Bank has failed to provide clear, transparent communication about the application of trial payments, violating good-faith requirements and transparency provisions.

5. Credit Reporting Violations : As a result of the improper foreclosure referral, derogatory credit reporting has been added to my credit file. This is unjust given my compliance with the trial modification and must be reversed immediately.
Product: Credit reporting or other personal consumer reports

NATIONAL CREDIT SYSTEM XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was XXXX XXXX XXXX and expressed to the company I was not aware of the nature of a lease contract when you signed it. Everything was done via online and things were very confusing for me. Ive told them several times thought I was just simply seeing if I was going to be approved for an apartment not signing a lease.
Product: Debt collection

I asked this company to provide me valid information that ties me to this alleged debt. They responded with a bill. I dont believe this is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX XXXX XXXX has all types of different names on my account. previous addresses that I did not give authorization or consent for them to report to my credit. As a consumer this is violating me and my personal information. I demand for Experian, XXXX and XXXX to delete ALL MY PERSONAL INFORMATION.
Product: Checking or savings account

I have a Chase total Business checking account as well as the Chase Premier checking account. There had been a lot of struggle for Chase to unify the customer profile and still the issue was not fully resolved. Ideally Chase should not outsource the IT jobs and hire some good quality ( not cheap ) IT folks here to fix these kind of trivial issues.

Due to all these challenges - I decided to close both of my accounts. Prior to that - I transferred the money out of my accounts. Also sent an email via Chase secure message center to close my account.

Rather than closing my total Business checking account - Chase keep on saying - come to the branch to close the account etc ... and further put a {$12.00} fees as monthly maintenance fees ( yes, of course when somebody wants to close the account due to poor customer experience they will take out all the money and then close the account ).
Product: Checking or savings account

{$260.00} was frauduantly taken out of my TD Bank account between XX/XX/XXXX to XX/XX/XXXX. 
Even thought TD Bank has all my contact info, failed to do it. so when i noticed this fraud on XX/XX/XXXX i called my branch where no one answered the phone had to call HQ and hold for several over 30 minutes before being finally connected to TD fraud unit where while describing my ordeal got disconnected, the rep did not try reaching calling me back!

had to call back and took another 30 minutes to reach Ms XXXX related my story and was promised will be credited the missing amount in 24hrs and will be issued a new Debit card, Now its XX/XX/XXXX i am waiting 4days!!! 
Also my 2 emails to refund the missing amount and cancel and reissue my Debit card has not been answered! 
Please Help and advise!
Product: Checking or savings account

On XX/XX/2019 I attempted to open an account with Simple Finance Technology in  XXXX, Oregon XXXX Simple. The account was opened very easily or so I thought. After opening I transferred $ money to the account from another account of mine. While the ACH was processing I got notification from Simple that my account was frozen pending more info. I was hesitant to furnish copies of my DL and SS card and was told that my ACH would bounce back within 1-2 days to my original account when it couldn't be received in my Simple account. That didn't happen so I furnished the info. I am still waiting for them to review the info.The review process was supposed to take 1-2 days and it's been almost 2 weeks. After 2 weeks they responded that the pictures I sent them where not in the format they wanted and that I would have to send them again. I asked what format they wanted and they said a PDF format. Which I am now trying to do. 

I definitely want this information shared with other consumers because I am not the only person who has encountered this problem with this institution. 

All I want is my money back and my Simple account closed.
Product: Mortgage

On XXXX XXXX, 2015, I contacted my lender, Flagstar Bank to inform them that my loan payment would be 4 days late due to being unemployed. I did the same thing in XXXX and they were very helpful, did n't charge me a late fee, and did n't abuse me verbally. This time when I called, the agent, named XXXX was horribly rude, repeating himself to me as if I was a child. I told him he was being rude and asked to speak to his supervisor XXXX XXXX. She got on the phone and began telling me I had a chapter XXXX bankruptcy on my account that I had n't reaffirmed on, and they could n't talk to me about my account. I DID reaffirm on my mortgage and emailed XXXX proof. She proceeded to tell me that they could call me everyday, all day starting on the XXXX of the month if they had n't received my payment. I have been with Flagstar Bank for seven years, have always paid my loan on the XXXX of the month, which is during my grace period, and never received harassing phone calls. XXXX XXXX XXXX at XXXX am, the phone calls started, and I believe that XXXX XXXX, the supervisor had a lot to do with this harassing phone call. There was no need for a phone call of this manner, as I had informed Flagstar Bank twice on XXXX XXXX, that the loan would be a few days late. The lady on the phone this morning told me she was going to " hunt me down '', she told me she was going to call me every day, all day, even on Sunday, until my payment was made. I told her I was going to change my number, and she told me to " go ahead, I 'll find you. '' This is a very unprofessional, and harassing way to deal with a customer, and I do n't feel I should have been treated so horribly, especially since I called 3 days earlier to inform them of my financial situation, and when the loan would be paid. I felt I had no other choice but to call XXXX XXXX XXXX and have my landline disconnected on Monday XXXX XXXX, and a new phone number issued on the XXXX in order to prevent further harassment from this company. I find it a bit odd, that after 7 years of paying on the XXXX of each month, I 'm suddenly now being harassed by Flagstar Bank, and I believe XXXX XXXX is responsible for the phone call I received this morning.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX XXXX says that they are unable to generate the questions required to verify my identity. When I requested information about which consumer report is used to generate questions, the rep did not know. I was told that if the questions could not be generated, then my identity could not be verified, and I'd subsequently be denied approval of membership. I was under the belief that my LexisNexis consumer file was locked. So I called them. And they too could not verify my identity right away. I had to email my ID in. After receiving my ID, LexisNexis advised me that 1 ) there currently was no lock on my file and 2 ) my file had NO information on it. This is impossible as I know about 6 months ago a request a copy of my file, and it was about XXXX page long. 

I need this fixed ASAP, as I believe it is the source of people not being able to verify me... including XXXX. I applied for XXXX XXXX on XX/XX/2024. Approval usually takes about 2 - 3 days. It's been 2 months. I'm beginning to this this is all related.
Product: Bank account or service

I am a TD Bank account holder. I receive overdrafts for what I believe are not fair practices. If I make a charge that will overdraft my account, it is put in pending. If that same day or the next day that I notice it, I make a deposit, that same deposit is put as pending. When they clear, even if cleared the same day or the deposit clears prior to the expense, an overdraft fee is assessed. 

Additionally, it becomes difficult to track because of the disjointed design of the banking statements and online account view. 

The statement separates deposits, expenses and daily balances. The online view will show as things clear ( my account has not gone negative according to just the last week, yet I 've been charged almost {$200.00} in overdraft fees ). 

I attempted to speak to TD about this and they refuse to acknowledge the usurious nature of these practices.
Product: Credit card

On XX/XX/XXXX, Wells Fargo took {$11000.00} out of my savings account. When I called Wells Fargo they claimed that it was for a credit card account that I opened in XXXX and closed in XXXX. But I did not receive any notice of any balances or payments due. I was then told my Wells Fargo to contact their legal department to obtain my credit card statements since that credit card account was closed. They said that they will send me the credit card statement. I waited for a week and a half and I'm yet to receive them. I made numerous calls and each time they ensured me that they have sent the statements. The last call I made, I spoke to multiple supervisors, and they state that they will email me the statements, but it would take 5 to 7 business days to process. Until then they have yet to show any proof of any balances I owed. I fear that I'm a victim of fraudulent activities. Wells Fargo need to show me proof or they need to give my money back.
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. 

I told the Experian, XXXX, and XXXX to remove these accounts I never opened or authorized them, Im a victim identity Theft : ( XXXX ) XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX ( Experian ) XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ( XXXX ) XXXX XXXX  Date of XXXX : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 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 an account without my written instructions.

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.

These accounts has hurt my ability to obtain credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not file a XXXX XXXX  bankruptcy with the courts. When I spoke with the court clerk, they said they do not have records. Please provide the contact information of the XXXX XXXX data furnisher that provided you as the credit reporting agency with this misinformation so I may contact them directly. Otherwise, remove this from my file as soon as possible. 

Bankruptcy XXXX XXXX Date Filed : XXXX Docket # : XXXX Discharged
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 Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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: Debt collection

Received a collection letter, dated XX/XX/XXXX, from Mandarich Law Group for {$3100.00}. Creditor is named as XXXX XXXX XXXX ( account number : XXXX. 

On XX/XX/XXXX, sent a letter to Mandarich Law Group via certified mail that disputed the validity of the debt and requested verification of the debt. 

Received a letter, dated XX/XX/XXXX, with an attempt to collect the same debt that was previously disputed. No information has been provided to verify the validity of the debt as previously requested.
Product: Payday loan, title loan, or personal loan

I filled out a credit application to finance a dog from a XXXX pet store. I didn't qualify for the XXXX credit card but was told that I was approved through EasyPay Finance a.k.a. Duvera Billing, LLC. I was not informed that the APR would be at an illegal interest rate of 151.99 %. The loan was opened on XX/XX/XXXX and financed for {$2500.00}. As of XX/XX/XXXX, I owe {$7100.00}. Duvera has reported this as a charge-off on my credit report but continues to report missing payments every 30 days which has significantly impacted my credit score. I do not believe this company is licensed to lend in the state of Pennsylvania and they are charging consumers an unsury interest rate, far above the state 's capped level. I would like company to address the illegal operation they are conducting and get this off of my credit report once and for all.
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 XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

The original creditors disclosed my personal information and my child personal medical information to the agency ( Rash Curtis and Associates ), which in turn disclosed that same information to the bureau. My privacy and my child privacy was violated in which we are protected by the HIPAA laws. I did not give the hospital permission to release my child personal information such as specific treatment and etc outside or basic collecting information. This will be forwarded to the U.S. Department of Health and Human Services Office for Civil Rights.
Product: Credit card

capt one XXXX chgs for for XXXX, XXXX XXXX each, this ventor was informed in the time frame to cancel. They cancel a XXXX chg as they could not provide the services of a search, and I informed them in the XXXX day period to cancel. They did n't and keep chging the acct XXXX twice
Product: Student loan

Navient claims that they paid a balance off for a consolidation in XXXX for XXXX When the amount of loans I was granted was XXXX, that was not the amount I accepted or received. Loans were cancelled, abandoned and I only needed a portion of others. Navient can't identify who they paid XXXX to. Also, in XX/XX/XXXX, the department of education XXXX  the balance to navient for failure to report for over 12 years to the department of education and unable to identify lender. In XXXX they were fraudulently added to a consolidation after I signed consolation application. The first amount reported by navient was XXXX. The second amount reported was XXXX. For 12 years according to the fraudulent transactions history has me making regular payments of XXXX for XXXX and XXXX, then recurring deferments/forbearance/ repayment every three months from late XXXX until XXXX. Capitalizing the interest every three months from XXXX until XXXX. This was done without my knowledge or permission. Also, navient didn't become a service until XXXX. Navient is unable to provide any promissory note bearing my name and navient. In XXXX or any other year. The balance of the loans added to my consolidation in XXXX, were either paid in full or presumed paid in full by the department of education because of reasons stated above. I have been trying since XX/XX/XXXX to get this corrected. Navient is unable to provide documentation to show any payments made in my behalf nor how they ended up listed on my XXXX consolidated. I requested an activity transaction date and time stamped for all changes or additions to my consolation application from the department of education, and aidvantage to no avail. My new loan servicer XXXX XXXX  can see the account balance was XXXX in XXXX, but say they have no way to fix it. XXXX XXXX  statement is that navient is the only one that can fix it. I have submitted several complaints on the department of education website and I've requested assistance from the ombudsman. To which has fallen on deaf ears XXXX was my original loan servicer and they refused to investigate, stating that it wasn't their job because they don't do consolidions. They said XXXX XXXX  was responsible for the consolidated and XXXX XXXX states that they forwarded all paperwork related to consolation to XXXX and do not have copies