23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I had a checking account for many years with Discover Bank. I recently wanted to use this account to pay off my XXXX XXXX taxes both XXXX and XXXX taxes. 

I had transferred funds into the checking account via XXXX on XX/XX/XXXX. I had deposited a check which Discover Bank stated that it was returned due to an issue with the checks signature. On XX/XX/XXXX Discover Bank closed my checking account due to a business decision and retained the original deposit. 

I had written two ( 2 ) checks from my checking account with Discover Bank : one ( 1 ) check for my federal taxes and one ( 1 ) for the state taxes. 

I took an international trip from XX/XX/XXXX thru XX/XX/XXXX. I had accessed the account a few time to see if the deposited check had cleared. 

When I returned back to the XXXX. I called Discover Bank who informed me that Discover Bank had closed my account as of XX/XX/XXXX due to a business decision with no further information. Discover Bank has also informed me that the deposit funds will not be made available to me until after XXXX XXXX in accordance with their policy. 

Furthermore. I had contacted XXXX to establish another default checking account with another bank. But XXXX informed me that I was prohibited from using XXXX due to fraudulent activity as reported by Discover Bank. XXXX did not provide any further information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX ( XXXX ) XXXX XX/XX/XXXX Dear TransUnion, I am writing to dispute the following information that appears on my TransUnion consumer report : Dispute 1 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX XXXX Type of disputed information : Auto Loan Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 

Dispute 2 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 
Dispute 3 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XXXX XXXX, XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 

INQUIRIES : Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I have attached a copy of my report with the accounts in question circled. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I purchased a car with Santander Consumer USA in XX/XX/2020. This company is still practicing predatory lending practices. My amount financed was {$22000.00}. My finance charges were {$23000.00}. More than the purchase price of the car. Two years of paying nothing but finance charges and I still owe more on the car than what I financed it for. There is nothing truthful about their lending practices.
Product: Student loan

This complaint is for both Citizens One Bank and XXXX in advertising to consolidate/refinance student loans. The advertising is misleading showing a lower interest rate to gain interest and personal information. I have asked for a " rate table '' from each and they stated I had to go through the application process. After doing so, the rate is significantly higher than anything stated on the advertising. I have perfect credit, so I am complaining because I know no one is getting the stated rate. The advertising states 3.50 % but the lowest option is 5.5 % once I fill out the application. After that I get bombarded with emails, calls, and mail to the information I provided on the application for a " soft credit pull ''. Can you please stop these people from wasting time and trying to deceive people into worse student loan debt!
Product: Credit reporting or other personal consumer reports

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

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account number : 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 1681c. ( a ) 5 section states no consumer reporting agency may make any consumer report containing any of the following items 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 may not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX Account XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX  # XXXX has violated my rights. 
Child Support XXXX XXXX Account # XXXX has violated my rights. 
Child Support XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 

15U.S.C 1681 section 602 A. States I have the right to privacy. 15U.C.S 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
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 USC 1681. 

XXXX XXXX CO XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, SOURCE RECEIVABLES MNG 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 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 item of information, other than records of convictions of crimes which antedates the report by more than XXXXeven 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

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. 


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 15 U.S.C 1681a. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681a2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN PERMISSION.

15 U.S.C 1681i5. ALL ABOVE ACCOUNTS HAVE VIOLATED MY RIGHTS, REPORTED INACCURATE INFORMATION, AND THEY ARE TO BE DELETED IMMEDIATELY.

THE ABOVE ACCOUNTS ARE ALSO IN VIOLATION OF 15 U.S.C 1692.

15 U.S.C 1692e8. COMMUNICATING INFORMATION KNOWN TO BE FALSE. DELETE IMMEDIATELY.

THE ABOVE ACCOUNTS ARE ALSO IN VIOLATION OF FCRA Sec 623a3 [ 15 U.S.C 1681a2 ] RESPONSIBILITIES OF FURNISHERS.

THE ABOVE ACCOUNTS ARE ALSO IN VIOLATION OF FDCPA Sec 807 ( 8 ) FALSE OR MISLEADING REPRESENTATIONS.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX have failed to fulfill their legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic 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 items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

I purchased Bitcoin on XX/XX/XXXX. {$10000.00} was taken from my XXXX XXXX XXXX account on XX/XX/XXXX. Today is XX/XX/XXXX and I still do n't have my Bitcoin. 

Coinbase Reference Code for this transaction is XXXX The support is dead. For weeks they were copy/pasting some fragments from their help page. Then, I got a message that they are really sorry and I should wait. ( Case XXXX ) Now, they ignore my messages for 10 days.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 


XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$5800.00} XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$460.00} XXXX  XXXX Balance : {$2800.00} XXXX  XXXX XXXX XXXX : {$230.00} XXXX  XXXX XXXX Balance : {$40.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Mortgage

I am writing to formally register a complaint regarding the solicitation practices of Newrez LLC, my current mortgage servicer. As a customer, I have been receiving persistent and unwelcome calls soliciting me for a VA streamline refinance opportunity, despite my clear indication of disinterest. 

The issue began when I received an initial call from Newrez On XX/XX/XXXX offering a VA streamline refinance. Curious about the details, I requested further information and allowed them to proceed with calculations using my information. However, when I requested a written copy via email for review, I was instead pressured to receive these details over the phone. During this conversation, the Newrez representative informed me that I could skip up to two mortgage payments through the refinance, which I later discovered contravenes VA regulations. 

Despite informing Newrez that I was not interested in pursuing the refinance at that time and requested to not be contacted further on this matter, the solicitations continued unabated. Over the past two months, I received seven calls from different Newrez employees, all attempting to sell me the same product.

In response to these persistent solicitations, I proactively contacted Newrez customer service on three separate occasions, requesting to be placed on any " do not solicit '' lists they maintain. Additionally, I utilized the government 's OPT OUT website to prevent further unsolicited communications. Regrettably, these actions have not ceased the calls, as I am still receiving solicitations as of today, XXXX XXXX.

This persistent solicitation not only violates my explicit request for privacy but also feels exploitative of my veteran status and existing customer relationship with Newrez. As a loyal customer, I find it unacceptable to be repeatedly solicited for a product that I have clearly declined.

I trust that Newrez takes customer privacy and compliance seriously. I request immediate action to rectify this situation, including a cessation of all solicitations regarding the VA streamline refinance and confirmation that I have been successfully placed on any relevant opt-out lists. I also seek an explanation for why these calls have continued despite my proactive efforts to stop them.

Please acknowledge receipt of this complaint and inform me of the steps being taken to address this matter. I appreciate your prompt attention to this issue and look forward to your timely response.
Product: Credit card

On XX/XX/XXXX, I reported the {$82.00} XXXX transaction charged to my citizens bank credit card ending in XXXX on XX/XX/XXXX as a goods not received dispute ( see citizens bank goods not received dispute ). 

The {$82.00} charge was for a XXXX overnight delivery of an envelope containing time sensitive documents. I paid XXXX XXXX$82.00} on XX/XX/XXXX for the envelope to be delivered via overnight/next day mail to XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX see XXXX purchase receipt confirming intended address ). 

Instead, on XX/XX/XXXX XXXX  delivered the envelope to XXXX XXXX XXXX XXXX XXXX XXXX, Texas ( see XXXX tracking history confirming envelope went to wrong address ). Therefore, I requested that citizens bank issue me a credit for {$82.00} for the overnight delivery. 

On XX/XX/XXXX, citizens bank sent me a letter acknowledging receipt of my dispute and issued me a provisional credit for {$82.00} ( see citizens bank letter dated XX/XX/XXXX ). 

However, on XX/XX/XXXX, citizens bank sent me another letter saying that my provisional credit of {$82.00} was reversed because the merchant provided documents showing that I received the services as rendered ( see citizens bank letter dated XX/XX/XXXX and documents provided by merchant ). 

Additionally, I pointed out to citizens bank that no where in the documents provided by the merchant does it show that the merchant sent the envelope to the correct address in XXXX, XXXX Texas and I asked for reconsideration. Citizens bank claims to have sent me a letter sometime in XX/XX/XXXX in response to my request for reconsideration that I never received because Citizens bank admits to sending this letter to the wrong address. 

In addition to Citizens banks unprofessional way in which they handled the claim on my end, XXXX claims that after Citizens bank reversed my provisional credit they then at a later time pulled the {$82.00} back from XXXX without reissuing me the {$82.00}. This resulted in XXXX reporting a fraudulent debt of {$82.00} to a collection agency that XXXX claims I owe to them, which I do not legitimately owe ( See XXXX  bill for {$82.00} ). 

Citizens bank errored in the investigation of my claim and has no legitimate grounds to have reversed my provisional credit on {$82.00}. Furthermore if it's true that Citizens bank later pulled the {$82.00} back from XXXX without reissuing the {$82.00} they had no legitimate grounds to withhold the money from me. 

I respectfully request that Citizens bank reissues me my credit for {$82.00} and clarifies whether or not they really pulled the {$82.00} back from XXXX at a later time. 

Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I used Lexington Law to fix my credit I never seen anything fix
Product: Mortgage

I received notice that my real estate taxes from XXXX were not paid by my escrow account. I reached out to cross country mortgage around XX/XX/XXXX who requested information to be sent to them which I sent. I never received information back, so I assumed that taxes had been paid. I then received a notice that my taxes were now going to a debt collector. I reached back out to cross country mortgage in XXXX and XXXX and XX/XX/XXXX forwarding all the information they requested which included, copies of the tax bill, and copies of the debt collector notice. I never received information back. I then received notice that there had been a lien put on my home for set unpaid taxes. I then reached out again to cross country mortgage, which then I received a letter stating all taxes had been paid. I then received a notice That my borough was suing us for unpaid XXXX taxes. Due to the negligence of this mortgage company the amount owed for taxes, fines, and fees have tripled.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX (? ) from XXXX XXXX XXXX. called my wife 's phone asking for me. He wanted to verify my social and DOB without telling me who he was calling on behalf of. Gave ma a call back number and was very rude. I told him I would not verify information, but if he told me what company i supposedly owed, I would contact them directly. 

I called them back from my phone and they knew who I was as soon as they answered and told them to validate the debt and send paperwork to my address since they know so much about me. Said they could not send anything without verifying my identity first. 

Asked for a business address and they gave me an address in XXXX, SC and was calling from a local phone number in XXXX, Or. 

I do not plan on responding until they validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX  ACCOUNT # 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 an account without my written instructions.
Product: Mortgage

My mortgage was sold to a new loan servicer. At my previous servicer, I would make 1-2 payments throughout the month when I got paid, and then at the end of the month, submitted a final payment for whatever was remaining. Not only was this easier for my finances, but it allowed me to get a bit ahead on the interest accrual for that month by making some earlier payments.

Making partial payments in advance is " simply not allowed '' at XXXX / LoanCare. 
How is this legal? I am forced to barrow money to own a home, and when I would like to pay a portion of it back, I'm barred from doing so - just so the lender can maximize the interest they collect? 

I signed a contract with XXXX XXXX, whom allowed partial/early payments. I did not consent to be transferred to LoanCare ( I know this is common practice in the mortgage industry, but still ) however the new servicer DOES NOT offer all the same services that I desired when I entered into contract with Rocket.

How is this not deceptive to the consumer?
Product: Student loan

Former student loan servicer, XXXX sold loan to KHEAA. I received a bill from KHEAA for {$50.00} due in XXXX which I paid and then KHEAA sent me a packet saying that my loan will be subject to treasury offset. I was wrongfully denied by XXXX the chance to rehabilitate my loan which they admitted to in an email. Also, I made timely payments to HESAA until I filed chapter XXXX in XXXX of 2019 and resumed payments in XX/XX/2019. I can not access my loan information and they will no longer service my loan over the phone and KHEAA can not be reached by phone and I also registered on their website and it says I am not permitted to view loan information though registration was successful. I am also disputing the amount of the loan as I do not have verification that payments have been applied to the loan and that the correct information was transmitted to KHEEA. My loan should not be subject to offset, it is current, I make payments and I was denied the chance to remove it from default.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureau to remove the unauthorized inquirY and personal information that are found on my report. But still those inaccurate items are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XX/XX/2020
Product: Debt collection

This company posted a collection on my credit with inaccurate information ; I have disputed at least a dozen times and they have verified it. This company has never once contacted me directly about this alleged debt. They sent no notification via mail and Ive lived at the same address for 10+ years, my address and phone are both correct. I called a number for this company I found online and they werent able to locate my account. This is impacting my ability to obtain a home mortgage.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX  XXXX