23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have asked Ally Auto Financing back in XXXX then again in XXXX, XXXX and XXXX not to call my cell phone during the hours of XXXX to XXXX XXXX that it is an inconvenient time frame due to my cell phone is used for work purposes. They continually call during those hours and when I send it to voice mail they will call back approx. 6 to 10 minutes later. I do not dispute that I am behind on my loan, due to divorce and health issues along with the car being broken down and in the shop for about 2 months along with paying out for rental cars, but they have now gotten me in trouble at work I have had 2 verbal warnings and I can ' afford to loose my job. They will call me week day during the time frames that I asked them not to call and will call 2-3 times a day. the calls are coming from the West coast and I am on the East Coast. so far this month they have called me on XX/XX/18 at XXXX XXXX, XX/XX/2018 XXXX XXXX, XX/XX/2018 XXXX, XX/XX/2018 at XXXX, XX/XX/2018 at XXXX, XX/XX/2018 at XXXX and today XX/XX/2018 at XXXX and then again at XXXX XXXX. it was like this the whole month of XXXX, XXXX and XXXX. This is getting to the point where I'm getting ready to get terminated from my place of employment. I have finally had enough and want them to come get the vehicle so they will no longer harass me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is saying they did not get this report # XXXX and they make it very hard for me to call them and they act incompetent at their job I spoke to XXXX at Experian on XX/XX/2022 at XXXX EST and she claimed this was not submitted and I want the status of this complaint immediately as a Consumer I am entitle to this information in a timely manner 4 days from complaint date which was XXXX XXXX.
Product: Mortgage

On or about  XXXX    XXXX  , my   XXXX   XXXX    XXXX  mortgage was sold to Carrington Mortgage Services ( Acct. No.  XXXX  ). While with   XXXX   XXXX    XXXX , I went through a modification, wherein foreclosure fees were incurred and added to my principal balance, with the exception of some title and attorney fees in the amount of approximately {$1400.00}. These fees were added to my account as additional fees and NOT due and owing until satisfaction of my loa n (  language to this affect was outlined in our modification agreement ). S ince Carrington  has taken over the loan, they repeatedly include these fees in my total amount due each month and report this as a past due amount to the credit reporting agencies, thereby adversely affecting my credit. I 've called and they will not correct, and state they will continue to do this. When they took over my mortgage they assumed all the terms and conditions entered into with   XXXX   XXXX   XXXX   XXXX . This lender has horrible reviews and a flawed history. Please help. This is also the same issue for the co-borrower on my loan,  XXXX   XXXX .
Product: Debt collection

I engaged in a lease with XXXX XXXX XXXX. on XX/XX/2019. The apartment experience was atrocious and horrific- and the landlord took no action to remedy the situation. I provided notice to vacate and vacated the unit - after which XXXX XXXX invoiced me for a dramatically overcharged amount to settle my account. 

XXXX XXXX was not responsive to my attempts to communicate, and later turned over the account to a third-party collections company, Fair Collections & Outsourcing XXXX XXXX. XXXX is attempting to use credit bureaus to damage my credit despite the fact that XXXX XXXX has since agreed that the improper amount was invoiced. XXXX said it would notify XXXX of the revised balance - but XXXX still reported a collection charge on my credit.
Product: Checking or savings account

On XX/XX/year> I made a payment to my electric company for {$210.00} out of my account which contained over {$300.00}. The next morning I received an email that the funds are being returned for insufficient funding in the account due to being overdrawn. This is not even possible because there is still a {$96.00} balance in the account yet the {$210.00} has been withdrawn is missing and is pending hold. They have effectively robbed me and returned the payment anyway to my electric company which means my service will be shut off I am a XXXX woman and they have just effectively both robbed me and insured I won't have any power. I am suing credit karma.
Product: Debt collection

In the past week I have received frequent repeated calls from XXXX XXXX XXXX ( they say ) ( XXXX XXXX on caller ID is only one of the phone numbers they have used ). They have been trying time after time to confirm my personal information that they have, including name, address, and social security number. I have not cooperated, and asked them to stop calling and told them that the information they do have has apparently been fraudulently compiled. The address that they have for me is wrong - they have me on XXXX XXXX in XXXX XXXX, Texas. That is not me. I would like someone to send law enforcement to that location and pursue the real perpetrator. Thank you.
Product: Checking or savings account

On XXXX XXXX 2022 I was given an offer while paying my Citi Bank credit Card. The offer was as follows : Enroll in a high yield savings account and receive a bonus offer up to {$450.00}. 

I opened the account and funded it immediately with {$50000.00}. I was to maintain that balance for 60 days and whatever the balance was on the XXXX day and maintained 60 days after the XXXX day would determine the bonus After an additional 30 days, I would receive the bonus. 

I fulfilled all these requirements and have not recived the funds. 
I have opened a case ( # XXXX. 
the case was opened on XX/XX/XXXX. I have called repeatedly and told the case is ongoing by one person and closed by others. 

The bonus offer code is XXXX XXXX 
I have a confirmation email outlining the the requirements and I have fulfilled them.
Product: Debt or credit management

I received a check for about {$170.00}, that was sent out from yall on XX/XX/year>. I believe I received it between XXXX. It had XXXX XXXX on there, but I misplaced it and would need a replacement. It said I had to cash it before XX/XX/year>.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of dispute, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 'S finding indicate that Zelle has not only neglected to protect consumer but has also allowed repeat offender 's to exploit the system leaving user 's vulnerable to scams. This lack of a accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried so many things to get things that are not accurate on my credit report with Experian, names that are not correct that they are showing, not correct. Then collections account for XXXX opened on XX/XX/XXXX that I have tried disputing multiple times and they refuse to take it off it is at {$0.00} and shows still open, the account information for it is incorrect. I don't have late payments, the account has been paid in full and is closed since XXXX I have even called XXXX  and they confirmed that it is closed and that there are no late payments. 
Secondly there are two accounts for XXXX XXXX XXXX XXXX XXXX XXXX. One on XX/XX/XXXX for {$1600.00} and the next is on XX/XX/XXXX for {$1500.00} I have reported I have no knowledge of this account and it is a HIPPA violation as well because whoever they are has my social security number and I did not release it to them. 

I know that it says no personal information and things like that but, I am frustrated because I have tried so many times to fix my credit report with up to date information and it never seems to matter to them. 

There is an address XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX that is not a correct address at all. I have never lived there. It needs to be removed. 
Names that need to be removed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that is listed twice, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is on there two times as well.

It only needs to be there one time. 

Lastly, there is a hard inquiry for Resident Verify saying it is XXXX XXXX XXXX XXXX XXXX  I have never even heard of it until I XXXX and I don't even live near there at all. It needs to be removed as well XXXX is another story, I have requested XXXX XXXX to be removed as there are duplicate charges on my account. XXXX for {$560.00} I have no knowledge of this account and it is a HIPPA violation as well because whoever they are has my social security number and I did not release it to them. There is second collection from the same company with the same date but for {$520.00} on it. Again it needs to be removed.
Product: Debt collection

Under the doctrine Estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX I may presume that no proof of the alleged debt, nor therefore any debt, in face exists. There is several accounts on my credit file from Midland Credit Management. I have contacted Midland Credit Management on a matter that pertains to my credit. I have been a victim of fraud. I sent Midland Credit Management a certified letter via usps to validate this account asking to send original documents and a host of other things. I have not received any of the documents I requested. I have an account on my credit that does not belong to me. I asked Midland Credit Management to remove the unvalidated information and nothing was done. I have the receipt that I sent the letter via usps certified. Removing this account from all three credit bureaus ( XXXXXXXX XXXX XXXXXXXX ) is what needs to take place there is no validation. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay Midland Credit Management and the collection agencies could not provide that information. You purchased this debt from the original creditor. I am very aware how this process goes. You have no legal right in this matter. Send me the documents that I signed stating I owe Midland Credit Management. You can not because this is not my debt nor do I owe Midland Credit Management anything. I want this information removed IMMEDIATELY! DO NOT SEND COPIES! I NEED ORGINALS WITH MY SIGNATURE FROM MIDLAND CREDIT MANAGEMENT NOT WHOMEVER YOU BOUGHT THIS DEBT FROM THAT DOES NOT BELONG TO ME!
Product: Credit reporting or other personal consumer reports

I had XXXX XXXX loan accounts with the department of education ( Creditor ) XXXX which both are paid in full. I took a look @ my credit report they are both open unpaid accounts but in good standings for payment. So when I contacted the Department of Education I was ask to send in paperwork to ( XXXX creditor ) through the US Department of Education, of receipts, statements or whatever I had to support my claim.I did that. Then I received an email of how much payment I have to pay. Said I was behind after proof I wasn't. Never processed it. Then when I contacted all XXXX credit bureaus, The have sided with the Department of Education they have not taken it off
Product: Student loan

I have not been able to connect with Nelnet who has taken over my federal loans. Ive tried to call 3 times with an over XXXX minute wait time and couldnt get through to anyone during the month of XXXX. Ive filed a complaint and submitted an email in XXXX. Still no response. Nelnet is XXXX of the worst customer service and businesses Ive experienced in a while. They are playing with my excellent credit and payment history by not answering my calls or emails. They have put dues on a loan Ive already paid off and now are trying to tell me XXXX have a late payment for making a payment on the due date. This company should not be approved to handle federal student loans.
Product: Mortgage

I started the process with XXXX XXXX around XX/XX/2022 working with XXXX XXXX. I had all of the initial paperwork submitted by XX/XX/XXXX. The process dragged on for almost 2 months due to internal operational issues to only be denied at the end. The frustrating aspect is that denial will likely be for something I communicated specifically about to the lender Day 1. The exact reason for denial has not been provided to me yet, the lender hit my credit report with 3 inquiries spread out which resulted in a ~XXXX point drop, and an appraisal was done which cost me {$750.00}. I was informed that currently the lender is denying everyone 's mortgages due to the company losing a ton of money when selling the bundled loans on the secondary market. In addition, I have not been provided with a copy of my mortgage application that was signed ( Even after a request ) nor I have I received a copy of the appraisal report which I requested. The net effect of this process is a XXXX point hit on my credit score, 2 months of wasted time, {$750.00}, and as a result of the time wasted ... higher interest rates which will result in potentially {$10000.00} or more in the difference on interest paid on a 30 year fixed loan product. It is very clear that this lender has no intention of actually pushing through mortgages which results in a XXXX poor user experience that results in wasted resources from top to bottom. The communication from the lender has also been painfully slow. I have called the lender over 120 times during this loan process to only have my calls picked up on about 6 or 7 total occasions. The rates communicated to me at the beginning of the process went up on me 3 separate times during the loan process since my initial conversation. It appears that once the agreement was signed to lock in the rate with the lender, the underwriting team is coming back and denying everyone application for any reason to shut down in additional losses coming through the pipeline. I would highly suggest everyone to not work with this lender in the future as they clearly have no desire to actually do mortgages.
Product: Credit card

This complaint is to serve, dispute and document the bad business practices by XXXX XXXX and as well Synchrony Bank who handles the collection efforts of XXXX XXXX. Under the Federal Trade Commission and as well in the State of California they are to properly notify me of any changes to the account which the failed to do. We had bought a mattress on a three year loan in which according to them after that would incur three years of interest if it was not paid within that three years. 

Due to financial troubles we had fallen behind on payments and had notified them as such and nothing was done. XXXX years had gone by and the next phone call was that we owed triple the amount. We had sent four letters of request to pay original amount and there was no response. We had spoken on numerous occasions to managers notifying them and as well their mangers acknowledging that we should have been notified but yet no arrangement was made. So even after acknowledging fault by XXXX XXXX managers, four letters, numerous calls they failed to provide us with a solution other than a penalty. 

I wish for this account to be cleared off my account and as well the company notified of their wrong doings.
Product: Credit card or prepaid card

I was reported 30 days late on my XXXX card on XX/XX/2018. I had reason to believe that I always made my payments on time. I am in the process of applying for a mortgage and my loan officer told me I was late. It was really heartbreaking to hear that. I tried disputing it with the credit bureaus but they said it was accurate but not sure how.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is 7 years old and reporting illegally as paid as agreed. I requested for it to be taken off my credit, I've had no communication with this company and made no payments. This company and sending false information. 

XXXX XXXX XXXX XXXX Open date XX/XX/XXXX The company updated false information on XX/XX/XXXX because the 7 years mark was coming XXXX/XXXX/XXXX.
Product: Student loan

I am writing to submit a Borrower Defense to Repayment application regarding the federal student loans I obtained to finance my education at the XXXX XXXX, a subsidiary of the now-defunct XXXX XXXX XXXX XXXX XXXX 

I enrolled at the XXXX XXXX in XXXX with the expectation that I would receive a quality education and that the programs offered would lead to meaningful employment opportunities upon graduation. However, my experience at XXXX XXXX XXXX was marred by deceptive practices that misled me and other students about the true value of the education we were receiving. 

The XXXX XXXX engaged in deceptive practices, including but not limited to : Inflating Job Placement Rates : XXXX XXXX XXXX misrepresented its job placement rates, leading students to believe that a higher percentage of graduates secured employment in their field of study than was actually the case. These inflated statistics were a significant factor in my decision to enroll in the program. 

Misrepresenting Program Value : XXXX XXXX XXXXXXXX misrepresented the value of its programs by exaggerating the skills and knowledge students would acquire and the earning potential upon graduation. These misrepresentations induced me to take on significant student loan debt to finance my education. 

In my final year, they advised they had a new loan product, the signature private student loan ( formerly through Sallie Mae ) which would allow me to complete the remainder of my classes and graduate on time based on their initial trajectory. 

As a result of the XXXX XXXX 's deceptive practices, I have incurred substantial financial hardship, and the education I received has not provided the promised benefits. I am now struggling to repay my student loans while not even being able to land a job in my field of study that could even support the payback amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion, via certified mail and telephone, regarding unauthorized inquiries contained in my consumer credit file. I spoke with a representative, informed them that my federally protected consumer rights were violated in reference to 15 USC 1681e. I never authorized my credit to be pulled by XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX )XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX ), and XXXX XXXXXXXX ( XX/XX/XXXX ). As TransUnion shopped my information around to their potential investors, my consumer rights were violated in accordance with the FCRA section 1681b ( c ), in addition to a huge breach of my privacy rights. TransUnion did not remove these inquiries, causing me actual financial damages.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX
Product: Checking or savings account

In late XX/XX/XXXX Wells-fargo sent me a debit card, savings account info, and by seperate correspondence a PIN. There is no date on correspondence from them, not even a postmark. I did not request an account with Wells-Fargo, I do not want an account with Wells-Fargo. In early XX/XX/XXXX, I called Wells-Fargo, was transferred to the Customer Advocacy number, XXXX, briefly talked to a XXXX, she hung up. I think Wells-Fargo is at it again, with the unrequested bank accounts.
Product: Bank account or service

I am an account holder for my personal, business and Interest on Lawyer 's Trust Account ( IOLTA ) accounts. In addition, I have a joint account with my husband, XXXX XXXX. My husband also has a separate account and we have XXXX savings account for our children. All of these accounts are with TD Bank. 
I am astonished at how many overdraft fees that have been charged to my accounts. The following fees have been accessed since XXXX of XXXX : Business checking assessed {$18000.00} XXXX Simple Checking assessed {$3100.00} XXXX simple checking assessed {$3700.00} After reviewing all of our accounts, we are outraged at the amount of insufficient funds we have been charged on these accounts. I have numerous times demanded that I be removed from the overdraft protection on all accounts. Several times it was never completed. Finally, in XXXX of XXXX I again asked to be removed from overdraft protection because charges were allowed to go through when funds were not available in the account and I would be charged an overdraft fee for each of those transactions. I was told I was removed only to find out as of today more numerous overdraft charges are still being assessed to my account. When I called today to protest the representative informed me that I was not " fully '' removed from the protection. I demanded an explanation as to why I was n't " fully '' removed on all of my previous attempts. She did n't have an answer and actually hung up on me. 
I have learned from your representatives and from my own research that TD Bank is notorious for running larger amount of transactions first and then running all the lesser amounts so that more transactions can be assessed the overdraft charge of {$35.00} for each transaction. These transactions are usually in the tens of dollars and often as little as a {$1.00} and for each transaction I have been charged {$35.00} in transaction costs, totally over {$25000.00} in overdraft fees. This is outrageous. I can not imagine how TD Bank is permitted with federal oversight to engage in such price gouging. I also can not imagine this has n't received more attention from consumer advocacy groups or even account holders.
Product: Vehicle loan or lease

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX  from XXXX XXXX XXXX. I entered into a financing agreement that included all required disclosures under the Truth in Lending Act ( TILA ). Shortly thereafter, the dealership contacted me demanding an additional down payment of {$4500.00}, claiming the financing had fallen through, despite providing me with documentation indicating the financing was finalized. The dealership also demanded the return of the vehicle, threatening repossession within 48 hours. 

These actions are classic " yo-yo financing, '' where dealerships fraudulently induce consumers to accept new, unfavorable terms or lose their vehicles. Additionally, the dealership contacted my employer without my authorization to discuss my personal financial matters, violating my privacy rights. 

Federal Laws Violated : 1. Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. : The dealership failed to provide clear and accurate disclosures regarding financing terms and attempted to retroactively alter those terms.

2. Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 : Unfair practices during the financing process may indicate discrimination or predatory lending practices.

3. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : If the dealership accessed my credit report improperly to justify their demands, this is a clear FCRA violation.

4. Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 : The dealership violated my privacy by disclosing financial details to my employer without consent.

5. Dodd-Frank Wall Street Reform and Consumer Protection Act, 12 U.S.C. 5481 ( 15 ) ( A ) ( i ) : The dealership engaged in unfair, deceptive, or abusive acts or practices ( UDAAP ). 

The dealership 's unlawful conduct has caused financial harm, emotional distress, and significant inconvenience.