23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting act. The List of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account : XXXX XXXX XXXX Account number : XXXX Date opened : XXXX, XXXX Account balance : {$6300.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX XXXX Account : XXXX XXXX XXXX Account XXXX : XXXX Date opened : XX/XX/XXXX Account Balance : {$3000.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX 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 : It also states a consumer reporting agency can not furnish an 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 items of information, other than the 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 an accurate.
Product: Checking or savings account

XXXX XXXX XXXX XXXX Wells Fargo Bank XXXX XXXX XXXX Less than I week after I mailed a check to the Internal Revenue Service XXXX XXXX noticed online that the check that I mailed had been modified/washed. I immediately notified Wells Fargo Bank on XX/XX/2022, that a check that I wrote payable to the US Treasury for {$4400.00} for estimated taxes had been modified ( washed ) and made payable to a person that I did not know, XXXX XXXX. I noticed this payee change online on the Wells Fargo website. The check image clearly shows that the payee 's name was washed off and changed. There is a note on the check that this is for 2022 estimated taxes ( XXXX XXXX ). The check was mailed a few days before in a blue XXXX Postal Service mailbox. On XX/XX/2022, I receive confirmation from Wells Fargo of my report of XXXX XXXX. I also reported this check fraud to the XXXX XXXX, PA Police Department on XX/XX/2022, and case number Case Number XXXX was opened for this by XXXX XXXX XXXX Detective XXXX XXXXXXXX Police Department XXXX 
On XX/XX/2022, I received an affidavit form from Wells Fargo to fill out for the Check Fraud Claim, which I filled out, had notarized, and submitted at my local Wells Fargo XXXX XXXX on XX/XX/2022. As of XX/XX/2022, I have not received any reimbursement for the funds lost in this Check XXXX case. I would think that 3 months is sufficient time for Wells Fargo to investigate this case and reimburse the funds to me.
Product: Checking or savings account

I have chime mobile bank and my phone was stolen I notified chime on the XXXX and an hour before the fraud arcade that my phone was stolen and I had to send in documents verifying my identity to change my email and phone number on my bank to gain access to my account and in the process of emailing chime my information some one accessed my bank account and sent XXXX dollars to there own account I found out on the XXXX the money was stolen I notified my bank and from there I have been getting denied my money I sent in the police report and all the emails showing that I had no access to my account at the time of the transaction but my bank will not refund me my money and its there security team that did nothing to freeze my account at the time I notified them of my stolen phone
Product: Debt collection

The collection account was opened on XXXX for {$580.00} by Southwest Credit Sys for a company that I was not with at the time and had not provided an address or phone number too. It resulted in a massive drop in my credit score and was the reason i was denied a role very necessary loan for my livelihood. I am aware that the most recent National data breach has put a significant number people at risk for identity theft, and could have resulted in this inaccurate reporting which is in violation of the FCRA specifically 15 USC 1681.
Product: Payday loan, title loan, or personal loan

Money lion said they would process the money on XX/XX/XXXX and they took it out today on XX/XX/XXXX. I called the customer service and the first representative I spoke to refused to connect me to her supervisor for about 5 minutes. When I finally got in the phone with the supervisor, after concluding she also couldnt help me I informed her I needed her to contact her manager today so I can speak to them instead. She replied she had to send them an email and they would get back to me in XXXX business hours but if I really needed the money that bad I could use the same insta cash services on XX/XX/XXXX when it clears. After me asking more questions she hung up the phone on me. When I called the customer service number back and went through the prompts, the number hung up the phone before I could even be connected with a customer service representative.
Product: Checking or savings account

Why an accident I provided the employer the wrong account and tracking information when I noticed the issue I tried to correct it with the bank the bank said its been too long its nothing that they can do basically theyre trying to keep my money which is {$550.00}
Product: Student loan

I have tried calling MOHELA approximately 5 times. Each time I have waited approximately 2+ hours on hold, and then my call would be dropped and I would have to re-call and hope someone answers. 

I have numerous questions about my student loans that MOHELA 's website can't help me with, and I want to have my loans figured out before I have to start making payments. This is nearly impossible with MOHELA 's abysmal customer service.
Product: Vehicle loan or lease

I purchased a vehicle through XXXX. Bridgecrest was introduced as my service provider for my auto loan. The vehicle began having issues soon after purchasing and needed several high dollar / extended time in the shop. My employment as a XXXX XXXX  was impacted significantly by the issues with the car and I fell behind on my payments. The vehicle want up for repossession and was ultimately marked as charged off/ profit & loss on my credit. The total amount due on the car is way more than the car is valued at. The loan came with a ridiculous interest rate, that I needed to accept at the time of the XXXX. I made 21 payments and with the cars mechanical issues I subsequently missed a lot work and employment opportunity. Even after making XXXX payments on the vehicle the loan balance remained the same. 
This vehicle was sold deceptively ( by XXXX ) by failure to disclose vehicle condition, fraudulent advertising & providing false representation to a consumer by bogus XXXX XXXX  and manufacturer warranty information. I feel taken advantage of all the way around with this purchase. It has caused significant financial strain. 

After consulting with an attorney regarding my options with the vehicle purchase / deceptive business practices, I was informed of another issue. 

* It appears that the interest rate charged to me by Bridgecrest XXXX XXXX is in violation of the DE Code 2304 and charged me a higher interest than permitted by Delaware law. 

* Additionally the transaction record statement I was provided by Bridgecrest on XX/XX/year> conflicts with what they have reported to the Credit Bureau on my behalf. Bridgecrest financial records are not accurate, contradictive and damaging to my credit and financial wellbeing. 

I am seeking remedy in this matter as I am owed a vehicle title, monies owed for violating Delaware usury law in addition to being sold a vehicle under deception. 

I am within the Statute of limitations regarding my complaints ( both the usury on the interest and consumer fraud claim. ) I would like to see if we can come to an agreement with this issue. 

Thank You,
Product: Credit reporting or other personal consumer reports

Despite multiple attempts, these inaccuracies persist, and I am seeking further assistance to address this matter. 

I have submitted disputes, provided extensive documentation, and engaged with creditors and credit reporting agencies to rectify this issue. However, to my dismay, the fraudulent items remain on my credit report, negatively impacting my creditworthiness and financial standing. 

This persistent issue has caused significant stress and hardship. It is crucial that these inaccuracies are promptly addressed to ensure the fair and accurate reporting of my credit history. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX  XXXX, ME XXXX ; XXXX XXXX  XXXX Balance Owed : {$7500.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$1300.00} ; XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$3700.00} ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX Balance Owed : {$7500.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX Balance Owed : {$7500.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$1300.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to complain to TRANSUNION about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and my name is XXXX XXXX. My birthdate is XXXX. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the late payments them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Student loan

When I was XXXX I was pressured by my parents to find a college and attend it. I found a college and we took out a student loan, the whole year cost me about {$20000.00} of private loans and {$9000.00} of federal loans. I did not go back my second year because my dad ( my consigner ) would not sign for another loan ... .so now can I not only attend college because I have no money, but now I have to pay back {$29000.00} of loans at only XXXX years old. I am now married and have XXXX kid and I am working part time making only {$.00} over minimum wage because I do n't have a degree to get a better job or have the money to put my son in daycare to work full time. I just do n't see an end to this money struggle and I ca n't get my loan payments lowered because of being married. i am the only one paying off my loans right now and I should n't have almost {$0.00} at the end of the month trying to help support my family and pay these astronomical student loans. My recommendation - do n't go to college unless it 's free or you KNOW you can get an amazing job to help you pay your loans right when you get out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have my credit frozen with all 3 credit bureaus/reporting agen cies- Experian , XXXX , and XXXX . I am moving into a new home and needed to remove th e freeze so that the electric utility company could review my application for service. 

For XXXX and XXXX, their sites were so easy to do this- very intuitive, quick, and provided a firm confirmation that the request for lifting the freeze was sucessful. 

Absolutely not the case with Experian. A totally different experience. It is clear that they do not want consumers to be able to speak with live customer service agents. They are not even open until XXXX XXXX eastern time. So people who live within the eastern time zone only have functionally half the business day to reach them when this is necessary. 

Their site is not nearly as friendly and intuitive, but my main complaint is that it should be very, very easy for consumers to reach a live representative with any credit reporting agency. 

Because I can not reach Experian, my new home may not have the electricity turned on when we move in. You can see how powerful a credit freeze can be, so this is why consumers should easily be able to reach each credit bureau by phone if we so choose to do so. 

I am really hoping this complaint will be taken seriously and that I will receive a response. 

XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

At the end of XX/XX/2021, I was involved in an accident that was deemed a total loss by the at fault party 's insurance, XXXX. XXXX paid my lien holder Bridgecrest a check in the amount of {$10000.00} on XX/XX/2021. Since receiving the check, Bridgecrest has made no attempts to payoff the loan. In fact, I am still being hit with fees and bills. I have reached out to Bridgecrest numerous time, speaking to managers, and customer service reps only to be told that the cashering dept is " backed up ''. I was initially told that the check would be fully processed no later than XX/XX/2021. It is not XX/XX/2021 and the check still has not been processed. Bridgecrest will not provide me with any answers or contact information for the dept. handling the payoff check. It is extremely shady and has been quite stressful as I am currently without a car and tied to this loan for a car that has already had a payoff check received. This is also affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. I have addresses that are listed duplicates several times most of the addresses are inaccurate. Experian has 40 addresses listed for me I am XXXX years old that would mean I would have to move one every year since being born. Can you please help me remove this addresses. Here are the issues XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is not address I have never lived there. 
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 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: Checking or savings account

My checking accounts with US Bank were placed on a hold. Called customer service and they said the hold was placed by the branch. Called the branch, they said the hold was lifted and that mobile banking access would be reinstated. 

Had to call customer service, waited 45 minutes for mobile banking to be reinstated, once I had access I realized I can not use XXXX, card or deposit. Had to call c.s again and they said theres still two hold, waited on the phone 45 minutes again to be told the branch is working on it Called the branch and they said theres only two of us here so you have to wait.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry from XXXX on XX/XX/2019. I dont not recognize this lender or giving authorization to perform a hard inquiry.
Product: Credit card or prepaid card

I have two credit cards with Citibank, and I am concerned that the company is abusing their position to discriminate against companies engaged in lawful activities, and to enforce their own rules in violation of the US Constitution. Specifically, I am referring to the recent dictate that companies must conform to Citibank 's own narrow and biased set of rules regarding what is and is not allowable. Today, they are trying to enforce their views on gun ownership. What comes next? Will they demand that retailers stop selling soda becasue it leads to obesity? Or maybe specify that no one with a body mass index over their own ideal value can purchase soda. It is a ridiculous overreach, and it should be illegal for Citibank to usurp the responsibility of the state and federal legialative bodies.

I called Citibank to give them my feedback, but as one might expect, they did not care a whit about my opinion. I have started theprocess to move all my business away from them to other banks that respect the laws of the land.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX this year possibly sooner my account was frozen and card shut down XXXX XXXX  of account takeover. Spent the following months verifying identity, awaiting 3 investigations all to work in my favor but remained without access to credit line. Repeatedly told month after month new card on the way. Finally novemeber after making all monthly payments on time for 2 years and no bad history yet still without access I called to cancell account. Manager level 3 got on phone and said weren't gon na ask for anymore payments till card was delivered but there would be another 5 business day delay then mailing. So XXXX and XXXX  they would not ask for payments and all monthly fees for past 4 months were refunded as an apology. XXXX comes and reports late payment 30plus days which is possibly interfering with loan application for hurricane damage. Contacted company numerous times. No resolve. Have requested account closure since XXXX if company can't provide card of access to credit line.
Product: Mortgage

Due to the lack of diversity, equity and inclusion, Loan Depot has engaged in unlawful discriminatory and predatory lending practices in its underwriting and customer service departments in order to benefit from the socioeconomic hardships of its homeowners during the Covid pandemic. Please see the documentation ( that was written in real time ) below, in attempt to resolve this matter without having to file for litigation
Product: Credit reporting, credit repair services, or other personal consumer reports

You have reported this account incorrectly on my report. 

NISSAN MOTOR ACCEPTANCE XXXX This account is reporting positive payment history while you are reporting REPETITIVE CO MARKS which is an inaccurate and a clear violation of my right under the FCRA XXXX
Product: Credit reporting or other personal consumer reports

I am lodging this complaint on my own behalf. Upon reviewing my credit record, I found late payments listed. Despite sending letters over 30 days ago, I haven't received a response, and they've failed to provide satisfactory validation. I kindly seek your assistance in resolving this issue.
Product: Money transfer, virtual currency, or money service

I have been unable to receive money for my family for two months from XXXX and Santander Banks, both companies offer to fix the problem but neither works, causing my family to incur extra expenses for third party applications in order to access the money for my education.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter each addressed to the Credit Reporting Agencies on XX/XX/XXXX, requesting that the Credit Bureaus remove the disputed fraudulent items from my Credit File in accordance with the FCRA section 605b. I have read that the Credit reporting Agencies are required to remove any accounts and information that resulted due to identity theft theft. I am submitting this CFPB complaints to exercise my rights in accordance with the Fair Credit Reporting Act section 605b, and requesting that the Credit Bureaus remove the disputed accounts and information as soon as possible. Please investigate and remove the following items from my Credit file : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} US DEPT ED XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} US DEPT ED XXXX Date Opened : XX/XX/XXXX Balance : {$50000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} XXXX If the Credit Bureaus would claim that the disputed accounts belong to me, I request that the Credit Bureaus send me copies of proof of verification or any documents that has my signature on it to prove that the disputed account belong to me. And if the Credit Bureaus are unable to find such document, please have the disputed items deleted as soon as possible.
Product: Credit reporting or other personal consumer reports

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request update/ correction of inaccurate information on an item that is listed on my consumer report : Account : XXXX XXXX XXXX XXXX XXXX XXXX  This account is currently reporting inaccurately : I had a forbearance agreement plan with XXXX XXXX XXXX, and it is listed on my monthly statement. The consumer reporting agencies have assumed a vital role and a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payment for this account, and I have included screenshots inside the complaint. Please investigate provide proof with statements showing that these payments were late. If proof cant be provided with 30 days, I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late.