23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX, I was looking to refinance my house with XXXX XXXX. They told me I owed {$30000.00} more than I had told them I owed. Bank of America had added {$30000.00} in legal fees to my loan. I had been previously sued by an adjacent property owner because they wanted to use my driveway to access their property. They lost. My mortgage deed does state that the bank is allowed to charge " reasonable " attorney fees ( in a situation like this ) if it has the potential to seriously negatively affect the value of the property. The fees were not reasonable, and there was never a threat to the value of my property. I have an appraisal stating this fact. I retained an attorney once I learned all this, to sue the bank for the {$30000.00}. My attorneys fees ended up being {$30000.00}. The bank has agreed to remove {$30000.00} from my mortgage, and give me {$5000.00}, but they have done neither, and I don't have access to my mortgage account that I pay faithfully every month. So, I ended up paying the money I would have paid to the bank to an attorney instead, and still don't have the {$5000.00} ( that my attorney said the bank agreed to ), or access to my account. And I wouldn't have even known the {$30000.00} was added had I not applied to refinance my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit reports from XXXX, Equifax, and XXXX  and they are reporting an account that violates my federal rights as a consumer. I sent them a letter bringing these violations to their attention and they have not responded and the account is still reporting on my credit reports. First and foremost, I did not give them my written consent to report the account pursuant to 15 USC 1681b ( 2 ). Second, they have violated my privacy pursuant to 15 USC 1681a ( 4 ) they are sending my private information to a data furnishing companies that I also did not give my written consent to have. Using my information without my consent is identity theft and is punishable under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have one account on my credit report that is not mine I have not opened this used this or even know what its for XXXX XXXX XXXX XXXX - Acct # XXXX XXXX {$20000.00}
Product: Credit reporting or other personal consumer reports

This account was XXXX XXXX on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/XXXX ) an an Transunion its ( XX/XX/XXXX ) and on XXXX ( XX/XX/XXXX ) If the information is coming from the original credtor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report.
Product: Checking or savings account

I received an advertisement for a no-fee, high-yield checking account and opened one. About 10 days later, I got a letter stating my credit score didn't meet their requirements. Not only was my application denied, but they also restricted and closed my brokerage account without explanation. They didn't clarify why a credit score is necessary for a checking account or stock trading. Credit scores are typically for lending, and I wasn't seeking a loan. It's perplexing that " excellent credit '' is now seemingly a prerequisite for investing. This requirement wasn't disclosed on their website or in any documents. It feels like a bait-and-switch scam to gather my personal information through their app. I'm disappointed with Charles Schwab 's approach, as it seems quite deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted these creditors to dispute these accounts and they do not have permissible purpose to be reporting this false accounts nor do they have my correct information or documents. they are in violation of my consumer rights according to consumer law. The creditors are XXXXXXXX XXXX  anXXXX XXXX XXXX
Product: Student loan

I am attempting to pay my private loan off as soon as possible, but my lender is making that extremely challenging. LendKey holds my current 10 year loan with an interest rate of 6.65 %. The auto-debit option gives me a 1 % discount on my interest. This auto-debit happens on the XXXX of the month. I asked to have my payments increased to pay off my loan sooner and I was told that it is impossible due to my current loan terms. I was told to pay the additional amount separately every month. For the last 2 months, whenever I tried to make a separate payment LedKey would only debit the different between my payment and the amount due ( {$2.00} in this case ). I spoke with them today and was told that they will only count the additional payment if I pay between the XXXX and the XXXX of the month. I was not informed of this the last time I spoke with them. When I asked if I could potentially refinance my loan to a shorter pay off time frame ( XXXX instead of 10 years ) and thus a higher debited payment, I was told that they will only refinance over {$75000.00} worth of debt, and I do not have that.
Product: Student loan

My XXXX school student loans originated in XXXX while I was in XXXX school. I had begun my repayments in XXXX via XXXX repayment plan ( income-based ). I had also began filling our employment certifications for PSLF program and had been approved for the terms. For the first several years I was getting accurate counts for the number of payments I had made towards the PSFL forgiveness program. As of late XXXX, I noticed my monthly statements now reset and showed XXXX payments " qualifying for PSLF '', despite me continuallly sending updates each year for the " employment certification for PSLF '' form ( most recently on XX/XX/XXXX ). Over the past year and a half I have been calling myfedloan.org customer service and have been told that " this happens frequently happens to other customers as well but we are back logged and it will take quite a while to get someone to do a manual count ''. I have been told this exact phrase several times over the last year when I speak to customer service. I am hoping to reach out to you to help resolve this issue and obtain a manual recount in order to accurately obtain a PSLF payment count as I am coming close to my 10 year mark in the next few years. 

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

On XX/XX/2021 I sent a letter regarding inaccurate and unknown INQUIRIES on my credit report according to FCRA 51 USC 1681b ( 3 ) ( a ) I do not have any credit with these companies and have no knowledge of these INQUIRES, and to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes Section 611 ( a ) it is plainly stated a failure to investigate these items within 30 days gives a reason to immediately remove those Items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by EQUIFAX DATA BREACH and may have got into the hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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  have violated my rights. 

15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 section 604A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries. I have several credit inquiries that I did not authorize or do myself I would like those on authorize inquiries, removed from my credit report. 
XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX  XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 These hard inquiries were not authorized by me and I would like to remove my credit report. Can you please remove them and send me an updated report within 30 days thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of 2017 I sent out a request and notice of BILLING ERROR regarding my account. I only received statements in response which did not answer the questions to my concerns. I have now checked my credit report and Chase has  reported me as delinquent. This goes against the FCBA. THEY have violated the law stating they can NOT collect or report to bureaus until they 've addressed the billing error. My rights have been violated and I 'm prepared to Persue legal action if this matter is not cleared. Under FCBA THEY HAVE 90 days at most to validate. They have NOT! This account is null in void. My credit WILL REMAIN INTACT! I know my rights and will enforce my rights to the full extent of the LAW!
Product: Checking or savings account

My wife made a deposit to my bank account in Puerto Rico from our joint XXXX account from XXXX. in the amount of {$700.00} on XX/XX/2016. That check was cleared and paid for by XXXX. I have the cancelled check and statement reflecting this. Yet, the bank in Puerto Rico claims the funds were not released from XXXX and they froze the deposit amount of {$700.00} from the acct. At this point we are out of {$700.00}. My wife filed a complaint through CFPB case # XXXX-XXXX first against XXXX. XXXX proved this check was paid so that case was closed. However, athough we have repeatedly shown all evidence to Banco Popular, they have denied receiving these funds and never credited my account with the {$700.00} I am attaching copy of bank statement reflected payment of check from XXXX and copy of paid check received by Banco Popular.
Product: Debt collection

XX/XX/2019 XXXX XXXX Credit Card Debt Collector : Midland Management Amount {$3000.00} They had placed a lawsuit against me without properly notifying me of the lawsuit. I have documentation about it. I had received a advertisement from a local lawyer to represent me on the current case. That's how I found out also I contacted the debt collector notifying them that I would be able to settle the debt for {$400.00} that's all I have. I live with my parents and am married it hard for me to pay more. that would me having to become homeless due to this. I offered to settle the debt they wouldn't not agree at all. They harassed my dad with court docs as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to a recent notification that my personal data was involved in a breach, I tried to contact TransUnion to institute a " freeze '' using their online option. All went well until the last part of the registration request, when I got an error message indicating they couldn't complete the request due to " problems '' on their end. 
The " chat '' link didn't work. 
I called the " Website Access '' phone number, and [ after 10 minutes on hold ] spoke with a " rep '' about it, was assured I was being transferred to someone who could effect the completion of the online " freeze '' request. 
NO SUCH LUCK. I was transferred back to the SAME voicemail menu in which I'd started. Another another 10 minutes of holding, got another rep who PROMISED I would be transferred directly to the dept. that could " finish '' the online request [ which is the only way to get a pin # that you can later use online to " unfreeze '' -- if it's done via phone, it can only be undone via phone! ]. 
Result of transfer : SAME MENU. I finally gave up. Guess I'll have to use the sucky phone option, if that even works!
Product: Credit card or prepaid card

My complaint is with US Bank Visa and XXXX XXXX, XXXX 
I placed an order for windows in XXXX of XXXX ' with a deposit on my US bank visa for {$3900.00}, a balance of {$7900.00} was due at installation completion and signoff. 
In XXXX of XXXX, the installation, and cleanup began, but was never completed and signoff never happen. The lead rep on the job was supposed to return to bring screens and complete a walk through and signoff, which never occurred. We found a damaged window and a need for screens on two windows to be added to complete installation. 
The lead rep never returned and the only indication that i had that the job was complete from their perspective was an unauthorized charge to my credit card. This was deemed to be illegal from all sources i managed to check, including US bank reps. 

I have tried to contact the merchant, who did not have my authorization to charge my card, with a supervisor from the credit card company. I left a message with the merchants answering service, which was recorded by the US bank, which i never received a reply. 

I have been working with US Bank since XXXX, which is when i noticed the charge on my credit card statement. I have made XXXX calls to the credit card company over XXXX months without success. I was told that because i did not respond timely to an inquiry they made, which i never received, that the case was closed and could not be revisited period. Later i was told by a supervisor that this was not completely accurate ...... 

My complaint is the following, with both the bank and the merchant : how can you charge my account without my authorization? This is a question that the bank could have answered on day one, but they have not, so if i had an oversight of a call, which i have not, they should have been able to answer this question on my initial inquiry. Why has the merchant not been contacted to see why they charged the account without authorization? Had they bothered, i am certain the transaction would have been resolved by now. Since the merchant and i both are paying for the bank 's service, why are we not treated equally with this transaction? Am I not able to get a hearing from the credit card company? Finally, the credit card company told me, which I still did not get an answer to my original question of why, but told me that i could claim a lesser amount to dispute because part of the job was completed. I did not agree, but i capitulated in an attempt to bring closure, but this too failed as the bank never responded to this solution either, which they suggested. Final complaint, they charged me interest on a dispute, which they claimed to restore, but the never did. Why am i paying interest on a dispute?? 

I can provide bills, contracts, account numbers and statements at your request
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and the three bureaus have intentionally placed incorrect information on my report about this account that has affected me from housing and other extremely important things I need! I ask that this information be removed due to the fact of this car was voluntary surrender but Experian and the other two bureaus have said it was repossessed which is incorrect and by law the bureaus most remove all incorrect information immediately! I have repeatedly disputed it several times Im now requesting for help to remove this and or correct it
Product: Credit reporting or other personal consumer reports

This problem been persistent. Equifax failed to resolve my issue I even went to extent of filing a police report. Fraud mail is coming to my house. I am a XXXX XXXX, and I am being taking advantage of. 


I have not been successful on getting rid of this issue.
Product: Credit card

The Barclay 's MasterCard card benefits available to me when I signed up this XXXX 2015 contained a 90 day purchase protection warranty up to {$1000.00} per claim. I have the paper documentation to prove this. I purchased about {$1500.00} of merchandise across several receipts ( over several different dates and stores ) that was stolen before the XXXX period expired. I called the number that I was told to call, and filed a report. I was told that my bank had listed the benefit to a max of {$500.00} per claim. That could n't be right, because when I log into my online account and download the PDF of my card 's benefits, it also says the same {$1000.00} max. Later, on a separate call, I was told by the card 's benefit contractor ( XXXX ) that I needed to file separate claims for each receipt containing XXXX items, I spent hours doing so, but that 's fine because it 's worth it to get all my money back. At the very least, they would get the smaller claims paid to while we argued over the cap on the XXXX large claim over {$500.00}. I called Barclay 's, and spoke with XXXX who confirmed that my information was correct -- that the cap was {$1000.00}. She started a conference call with their contractor to tell them the confirmed amount, that I was right, it was for a max of {$1000.00} per claim, which that combined with the other claims would make me whole. However, XXXX at the Contractor contacted me and told me that his colleagues had spoken with Barclay 's and that they had told them that their information, $ XXXX/max was correct, and that no matter what they had told me earlier ( to file separate claims ) they were likely going to combine all the claims I was told to file into XXXX claim, and that if I had a problem with that, I could call the Barclays. As stated above, I told him to look in his file for the call on Monday. Thankfully, they had this three-way call in their notes, but XXXX with XXXX could not tell me who I needed to call or ask for at Barclay 's, meaning I would be in the same runaround. Clearly, someone at Barclay 's is at fault for XXXX team not accurately reporting my benefits to XXXX, and XXXX is at fault for 1 ) not defining the scope of a claim in their card benefits fine print 2 ) fraudulently telling me to file XXXX claims at XXXX time knowing the situation full-well, even though they later told me they might combine into XXXX claim, despite numerous purchases, each under the {$1000.00} limit and XXXX me over in the process out of several hundred dollars. All told, between both of their mistakes, I 'm out around {$1000.00} for purchases that according to all documentation I have ever been provided ( again had this card around 3 months ) I should have reimbursed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit 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 Name : 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: Mortgage

In XXXX, UNITED STATES OF AMERICA BUREAU OF CONSUMER FINANCIAL PROTECTION versus SLS File No. XXXX put SLS under a consent order to comply with proper foreclosure procedures. The State of Colorado ( where this property is located ) found SLS RESPA violations including rushing a foreclosure sale when the property owner had protections.

In violation of this consent order, SLS is trying to, again, rush a foreclosure for the property attached to this complaint without even providing a valid proof of claim or contacting the owner.

You wrote an article on the SLS consent decree here : https : //www.consumerfinance.gov/enforcement/actions/specialized-loan-servicing-llc/ Specialized Loan Servicing ( SLS ) acquired a loan from XXXX XXXX XXXX XXXX XX/XX/XXXX that was in active litigation. I have attached some of the notarized correspondence sent to XXXX to make it clear that SLS purchased debt from XXXX during active litigation that was never validated nor had proof of claim. 

The home transferred ownership to a new owner several months prior to SLS acquiring the XX/XX/XXXX account. The new owner rents to a tenant. In a recorded phone call, SLS stated they have a lien on the property ( see attachment ) however I could not find evidence of that with the XXXX of XXXX. 

Within less than 60 days of acquiring the loan, the period when there is a stay on mortgage lates, SLS began aggressive collection procedures against the tenant - not the new owner under the threat of foreclosure. 
SLS threatened and harassed the tenant, including with a site visit ordering the tenet to call SLS without contacting the new property owner. The tenant has received at least 4 foreclosure notices during the month of XXXX in her name ( not the owner 's ) still within 60 days of SLS acquiring the account.

SLS was informed of the new owner but functions as if they were not aware of the ownership transfer. SLS has shown no evidence of contacting the new owner. In an effort to remedy the problem, a USPS negotiable instrument at {$210000.00} was sent as a settlement offer. 

SLS has not shown proof of claim, is not on the deed or title with the XXXX of XXXX, and ignored the fact that they bought the debt from XXXX whereby the previous owner rescinded all signatures from the mortgage agreement. 

SLS is attempting to extort the tenet by sending a bill for over {$7000.00} in her name under the threat of foreclosure. The payment was {$840.00} prior to the mortgage transfer whereby the XXXX and XXXX bill, if valid, would have been {$1600.00} - not over {$7000.00}. Part of the coercive payment SLS is trying to force the tenet to pay is for the purchase of insurance through SLS when the tenant has insurance.

SLS has created a bill from XX/XX/XXXX even though they just acquired the account XX/XX/XXXX.
Product: Checking or savings account

I wrote a letter to the President, XXXX XXXX. In the letter I requested that all my accounts be closed, and my remaining funds be mailed to me via certified check. I also attached an original notarized identity verification form, a copy of my Arkansas driver 's license, a copy of my social security card, and a copy of my 2022 W2 tax return.
Product: Mortgage

Since my loan was reworked there has been a lingering {$72.00} fee that is simply an " Other Fee '' and those I have spoken to have told me to just ignore and when pushed for info tell me I need to speak to another department that seems to never answer the phone despite multi-hour wait times even when another agent tries to transfer you there.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMENITY BANKXXXX XX/XX/2022 ( date of inquiry ) COMENITYCAPITAL/XXXX- XX/XX/2022 ( date of inquiry ) I have never applied or had a Comenity credit card .so Im wondering why they would inquiry with my SS #?