23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have contacted Navient several times to have a lower monthly payment. However, the best option the offer me is the one I have to do every year depends on how much money I am making. The difficult part is that they do n't understand that you have other bills to pay and it might look that you are getting pay a lot but after taxes and everything you dont get anything. I have explained them that I have a car, a mortgage, and other regular bills and that the amount I have right now it is too high for me, at the end of the month I am struggling with no money. The should have into consideration other expenses that the student may counter, the same way when you are trying to apply for a loan or mortgage they see all the expenses that you have and they will only approve you a certain amount of money.
Product: Credit card or prepaid card

I recieved a Credit Card from XXXX ( Comenity Bank ) in the mail in the last week of XXXX. I had never applied for this credit card. Then I called Comenity Bank on XX/XX/XXXX to report this issue. The agent replied that the account was being closed to avoid further charges, and that the matter was being forwarded to their fraud investigation department. And that I'l recieve a letter from them in due course. 
Last week I recieved a statement from the same bank in the mail, showing a charge of US {$2100.00} made on XX/XX/XXXX at XXXX. XXXX XXXX MD-XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a rebuilt XXXX XXXX XXXX vie XXXX. I paid for it with paypal. It included a warranty for 12 months. In XX/XX/XXXX I paid my garage over XXXX to install the transmission. Immediately upon driving the van I noticed a high pitch whine when shifting gears. I took the van to a transmission shop and they staed that the case that the transmission was rebuilt in was probally defective and to ask the supplier, XXXX XXXX what the rebuild procedure was and did the use a new case. I attempted for over two months to contact the seller via email and telephone and never got a response. I provided records of these texts to paypal disputes and when I contacted them, the stated that they had not been able to reach the seller as well and I would be getting a credit for the transmission. After few more months went buy they never removed the charge and I contacted them for assistance. They stated that the matter was still under dispute and no interest was accruing. I continued to pay on the account as I have other charges from other sellers. At that point I contacted pay pal and they stated that it was still under dispute. In XX/XX/XXXX I started to accrue finance charges for this item. Paypal just closed the dispute and I continued to pay for a defective item so it would not affect my credit. So at this point it is almost paid off and I have accrued over {$210.00} in fees and interest for a noisy, defective transmission that makes my vehicle unreliable. I don't understand why paypal would tell me the dispute was in my favor since they could not contact the merchant, nor would the merchant every contact me back, then start charging me interest on this item. I am at a loss over this situation.
Product: Checking or savings account

XXXX decided to charge my account since my main account was closed due to fraud, and because I did not have enough funds to cover all those transactions USAA declined them all. Declining the transactions is fine. The important issue here is that I was charged a returned fee on every single transaction twice due to XXXX resubmitting those transactions. I called USAA on XXXX XXXX and spoke to an Executive Agent ( Supervisor ) who stated she would make an exception and waive one last overdraft charge to help me out. Also, she stated she would put a stop pay on those transactions to prevent them from hitting my account. Today to my surprise I see that the credit she promised is not there and also another transaction from XXXX caused another overdraft. I ca n't remove the account on XXXX 's end because there are pending transactions. I need someone to review my calls and explain to me why I was lied to. I 've had my account for years and I 've never had this issue. I just moved my entire family from Puerto Rico to the states because the hurricane and this bank has decided to not help at all with the situation. Also, they are not allowing me to close the account which to be honest would have solve the entire situation. Currently the account is still overdrawn due to the missinformation I was given when I called.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have placed a fraud alert with all credit bureaus as of XX/XX/2018. I received a copy of my credit report to see that the same companies, sometimes up to 3 or 4 times a week were placing inquiries on my report that i have NOT requested. I called each bureau, without success, so am hoping on some time of relief as the multiple inquires are placing burdens on my accounts. I am not sure if my information was affected in the multiple breaches there have been. They are below. Thank you *XXXX XXXX on XX/XX/XXXX ( 3 separate occasions on this ONE date ) *XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX *XXXX on XX/XX/XXXX *XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX *XXXX on XX/XX/XXXX *XXXX XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX *
Product: Debt collection

We found on our credit report and called. We talked to XXXX and she explained if we would pay she would have it removed from our credit. Once we paid we received a letter and it stated that they where paid and settled. They where not removed. We called her back and she would not honor what she had said. We told her we were going to report her and she did not care.
Product: Mortgage

Subject : Complaint Regarding UDAAP Violations and Deceptive Lending Practices To Whom It May Concern, My wife and I moved from Arizona to Texas and secured a mortgage through LoanDepot. During the loan process, we were misled and subjected to practices that appear to violate the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) and potentially bribery laws. 

Our loan officer assured my wife, a XXXX and XXXX XXXX that she would qualify for a down payment assistance program. This turned out to be false. Instead, we unknowingly signed for a {$19000.00} second mortgage, which we were later informed was a XXXX  not a XXXX-specific grant program. Furthermore, based on the assurances of grant eligibility, we turned down a favorable 2.99 % APR loan offered by the builder preferred lender, which left us financially disadvantaged in the long term. 

Additionally, there were significant misrepresentations about the closing process : 1. We were told the closing would occur on XX/XX/XXXX, but it was delayed multiple times due to holiday scheduling issues, ultimately closing on XX/XX/XXXX. 
2. The lender gave repeated assurances and provided {$3500.00} via XXXX to cover hotel expenses, which raises concerns about bribery or undue influence. 
3. Due to these delays, my wife lost her job, including a {$10000.00} relocation bonus, and our family incurred {$13000.00} in additional expenses ( hotel stays, dining, storage, movers, and lost wages ). Totaling {$23000.00} of losses. 
4. The title company was also confused by the loan terms and mistakingly issued a {$19000.00} check at closing, which we asked to be applied to the supposed XXXXgrant second loan. This further illustrates the widespread confusion among parties meant to inform and protect us during this process. 

During closing, we learned from the title company -not the lender- that our loan terms had changed. Under duress and desperate to finalize the purchase, we signed the documents. It later became clear that no legitimate XXXX-specific assistance program existed, and we had been misled. 

We can provide extensive evidence to substantiate these claims, including : Communications from the loan officer ( emails, texts, and call logs ). 
Proof of the {$3500.00} XXXX payment and related correspondence. 
Documentation from the title company showing the loan terms. 
Financial records of additional expenses incurred due to delays. 
Records of the misleading down payment assistance program. 

These actions caused financial harm, emotional stress, and significant disruption to our family. We request an immediate investigation into LoanDepot practices and appropriate restitution for the damages caused by their misleading and deceptive behavior. 

Thank you for your attention to this matter. Please feel free to contact us if additional details or documentation is needed. 

Sincerely, XXXX and XXXX XXXX
Product: Checking or savings account

My account was closed before I was able to put money in it
Product: Checking or savings account

My name is XXXX XXXX and I am writing this email to inform ___ about an incident involving myself and Wells Fargo. 

On XX/XX/2022, an individual with a cloned copy of my Wells Fargo debit card and PIN ( I have never lost possession of my debit card ) went to XXXX different XXXX locations in XXXX Texas and purchased money orders and gift cards totaling {$4600.00} all within XXXX hour. This person then went to Wells Fargo branch XXXX XXXX XXXX XXXX XXXX Tx and withdrew a total of {$2000.00} over XXXX ATM transactions. I've attached a list of these transactions to include each store location/amount/time/date. ( Document XXXX ) I reported these fraudulent transactions to XXXX Police Department and visited each XXXX store and Wells Fargo branch to see if I could locate video footage of these fraudulent purchases to assist with identifying the purchaser. ( Document XXXX ) I also went to this Wells Fargo branch location ( XXXX XXXX XXXX XXXX. ) and was told to contact fraud card claims because they couldnt give me any information without police involvement. 

I made a fraud report totaling {$6600.00} to Wells Fargo including the facts and police report and it was declined. I asked for a higher review and again the claim was denied. ( Document XXXX ) I went into a Wells Fargo branch at XXXX XXXX XXXX XXXX XXXX TX XXXX and asked Associate XXXX XXXX to help me and call the fraud department and try to understand why my claim was denied. I asked how it was possible that {$2000.00} was withdrew from my account when I always had the limit set to about $ XXXX. How did my daily limit get increased? Why was my card not blocked after so many ATM transactions at the same time and same location? I was given NO answers from the Wells Fargo fraud department. 

The detective assigned to my case subpoenaed the video footage from Wells Fargo from these ATM transactions and she was denied the footage? ( Document XXXX ) I have been a Wells Fargo client for XXXX and I have been severely let down by this institution. None of this process has made sense to me, I suspect this claim was handled incorrectly.
Product: Debt collection

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 XXXX XXXX XXXX Account # 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 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: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

bank of america is billing me for 3 purchases that are not mine these are fraudulent purchases to my account I contacted boa regarding this and was advised that I needed to pay the bill and if the charges are found to be fraudulent the money will be credited back to me. This was the telephone conversation I had trying to resolve this issue so I am forced to pay out of pocket for items I did not order and if I don't there will be an interest charge of up to 18 % applied to my unpaid cc balance. The other stipulation is if boa agrees the charges are fraudulent then I get my money credited to my account not refunded but credited.
Product: Mortgage

I had a mortgage and a Home equity loan thru XXXX and it was bought out by BB & T and has been nothing but problems and I received several late fees on an extra account that I did n't know I had. My payments have changed and the terms of my loan have changed and they stated there is nothing they can do about it. I did not sign anything to acknowledge any of these changes just that my prior company has been bought out and nothing will be changed but where I send my payments. Unfortunately this could n't be further from the truth. My mortgage payment changed nearly {$300.00} more and my home equity loan has another account which I owe another separate payment on which I had no idea I now have XXXX accounts. I tried getting this rectified and I am told they can not just keep it as one account and any time I want to borrow money again from my current home equity loan it will draw from that other account as a cash advance and I will have 2 monthly payment which is not what I agreed to per my original contract. This has to be fixed. No one ever calls back and when they do they have no idea why they are calling and no recollection of any of our previous conversations which I always save on my phone. Please Help, thank you
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by [ Credit Bureau Name ] . Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. 

After reviewing my credit report dated XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : Account XXXX : XXXX Account number : XXXX XXXX. High Balance Discrepancy : o XXXX reports a high balance of {$6100.00}. 
o Experian reports a high balance of {$6100.00}. 
o XXXX reports a high balance of {$5900.00}. 
2. Last Verified Date : o XXXX : XX/XX/XXXX. 
o Experian : Not reported. 
o XXXX : Not reported. 
3. Date of Last Activity : o XXXX : XX/XX/XXXX. 
o Experian : XX/XX/XXXX. 
o XXXX : XX/XX/XXXX. 
4. Date Reported : o XXXX : XX/XX/XXXX. 
o Experian : XX/XX/XXXX. 
o XXXX : XX/XX/XXXX. 
5. Account Description : o XXXX : Profit and loss write-off. 
o Experian : Unpaid balance reported as a loss by the credit grantor. 
o XXXX : Amount in high credit original charge-off amount. 
XXXX. Payment Status Discrepancies : o XXXX : Charged off as bad debt. 
o Experian : Unpaid balance reported as a loss by the credit grantor. 
o XXXX : Charged off account. 
XXXX. Days Late - 7 Year History : o XXXX : No late payments reported. 
o Experian : 60 days late once, 90 days late once. 
o XXXX : 60 days late once, 90 days late XXXX  times. 


Given these discrepancies, I request an immediate investigation into these inaccuracies and prompt correction of my credit report. Enclosed are copies of my credit reports from XXXX, Experian, and XXXX highlighting the inaccuracies. 


Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ] I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report.

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Debt collection

On XX/XX/XXXX, a woman from XXXX XXXX called and threatened to sue me for a debt that is almost 7 years old. At that point, I had no idea about the debt and confirmed it over the phone. Seeing that debt did belong to me over a CFPB complaint, even though I asked for a prior explanation. I have since received countless emails asking for payment through a portal and even still receive calls from them in the wee hours of the morning or around the time it is designated as " bedtime. ''
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

The disputed item is for {$210.00} and I do not owe this debt as it is a result of identity theft. I have provided this information to the creditor and they have failed to verify identity of the debt. I will be filing a formal complaint with the FTC, insurance commissioner, attorney general and lastly filing a civil suit for damages due to the negligence of XXXX XXXX and the emotional distress this has caused me. They have violated my rights under the FCRA and I will no longer allow this to go on.
Product: Debt collection

They call me at LEAST every hour on the hour every single day and if it is not every hour sometimes it is multiple times in a row. For example : they have called me 4 times within one minute. On top of these excessive phone calls, I also receive several texts per day and several voice mails per day.
Product: Credit reporting or other personal consumer reports

I am requesting that it will be from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Equifax regarding unauthorized credit inquiries that have appeared on my credit report. After reviewing my recent report, I identified several inquiries that I did not authorize and have no knowledge of. Despite contacting Equifax to resolve this matter, these inquiries remain on my report, causing significant frustration. The unauthorized inquiries in question are as follows : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXX Attached to this complaint is an Identity Theft Report filed with the Federal Trade Commission ( FTC ). This report, along with the corresponding case number, supports my claim regarding the unauthorized credit inquiries on my credit report. I kindly request that the necessary steps be taken to address this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 
I appreciate your prompt attention and review of this document as part of the investigation. I believe Equifax has violated the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate and remove these inquiries from my credit report, even after I brought the issue to their attention. 
The sections of the FCRA that support my claim are : Section 611 ( 15 U.S.C. 1681i ), which outlines my right to dispute inaccurate or incomplete information. I have disputed these inquiries, but Equifax has not conducted a satisfactory investigation. Section 609 ( 15 U.S.C. 1681g ), which grants me the right to access my file. Upon reviewing this information, I confirmed that I never authorized these inquiries.

Section 604 ( 15 U.S.C. 1681b ), which details the permissible purposes for credit report inquiries. I did not give consent for these inquiries, and Equifax has not provided evidence of a valid reason for them. Despite my efforts to resolve this directly with Equifax, these unauthorized inquiries continue to negatively impact my credit report. I request that the CFPB intervene to ensure Equifax fulfills its legal obligations under the FCRA by removing the unauthorized inquiries and providing me with an updated credit report. I appreciate your prompt attention to this matter, and I am happy to provide any additional information needed for your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My target red card that was closed a few years ago but they are still reporting as my account is late every month. Which is causing my credit to keep going down. I settled with them to pay a lesser amount to clear my debt but they are only showing what I paid instead of clearing the debt like we talked about which is causing my account to still keep reporting late when the account been closed. I paid the debt XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA is direct violation of Metro 2 compliance, FCRA section 609, also Michigan consumer laws.
Product: Checking or savings account

Errors in my mortgage deductions and interest on my checking account all the time ; not properly submitted.
Product: Debt collection

I submitted an debt validation request to Second Round LLC on this debt in XXXX that was never answered. 

Instead, they have been contacting my relatives constantly over the past few months to get ahold of me, when they already have my contact information and know how to contact me. 

I spoke to XXXX XXXX on XX/XX/2020 and attempted to work out a Debt Payoff agreement. He said the client would only be willing to work with me if I provided the name of my employer, monthly household income, among other personal, irrelevant information. 

He also classified my account as pre-legal which he essentially characterized as them getting ready to sue me. 

I am trying to get more information on the nature of the debt which was never answered and hope to work with them to settle out what I owe, if anything. This agency harassing my family and asking for irrelevant personal information as a requisite to a payoff agreement is absolutely absurd and puts already vulnerable people at their mercy.