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

Union bank hung up.on me 3 times when I asked for paper statements.
Product: Checking or savings account

Wells Fargo is being accused of fraud and I been a wells Fargo customer for 12 years. 
They are using people accounts without the customers permission. That is wrong and they should be punished and look out by paying customer a share of the lawsuit
Product: Debt collection

The dates will be found on the letter attached. There are several dates that this collection agency called me while on work and have not opted me into text without my authorization. I mailed the letter to dispute and to cease all communication until they process my dispute and send a letter resolution but instead they have increased the amount of calls just to hang up and leave many voicemails. I feel very harrased.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a vehicle loan. And the loan company keeps reporting an increase in my loan balance causing my credit score to be affected. I tried calling and talking directly to the loan company but they deny any wrong doing. I reported it through the credit bureau and through here. The loan company reports that my balance has increased when in fact it has not. Its a simple interest loan. When the payment is received the daily interest is deducted from the payment based on the amount of days since the last payment was received. What this company does is reports the payment received and the principal balance to the credit bureau. Then a few days or weeks later it reports a balance increase by adding the simple interest to the principal balance. This causes my history to reflect negatively against me. And my credit score drops. In fact the amounts they report to the credit bureau are incorrect. They are aware that by doing this it is ruining my credit score and yet the continue to do so. How is it fair if you pay down a loan only for the loan company turn around and report the simple interest as an increase. They know its hurting my score yet they continue this practice
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit report shows two inquiries on my file from XXXX XXXX which were not initiated by me, on XX/XX/XXXX and XX/XX/XXXX. I have contacted both XXXX and Experian regarding the XXXX inquiry and was told it would be removed. That report is conveniently not available. I believe I made a dispute regarding the XXXX one a few weeks ago but no response, and I am literally unable to start a new one online- there is no " dispute '' button that they speak of when I follow their instructions. I now have an extended fraud alert request in with a different credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company named 'XXXX XXXX ' with address XXXX XXXX XXXX XXXX, XXXX , NY XXXX with a telephone number ( XXXX ) XXXX runned a full credit enquire on my persona without my consent, and at the time to be closing escrow for a house purchase, this issue caused a significant delay in closing escrow, and delaying all arrangement to move to my new home, therefore this enquiring was a significant risk accordingly to the loan officer, to lowering the credit score and  perhaps ruin the deal. 
XXXX XXXX XXXX visit my businees to offer a merchant services, and he requested 3 bank statements which I never gave them, and after investigating with Experian I learned that XXXX XXXX XXXX, president of XXXX XXXX XXXX uses XXXX XXXX to process the credit card processing. 
After talking to the Fraud Department of Experian, I was told that 'Hard Credit Enquiring ' needs to be pre authorized, and in this case is a Violation and perhaps Fraud since I was not informed neither I new this company, and could have ruined my effort to get a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account included in my bankruptcy, this account originally started as a pay loan in XX/XX/XXXX and in XX/XX/XXXX i filed for bankruptcy and included this account in my petition case is ongoing, Then XX/XX/XXXX i saw this report included in my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting old XXXX accounts with a XXXX balance to my XXXX and TransUnion credit reports that should have been removed after loan rehabilitation was completed on the accounts in XXXX of last year. These listing are also reported to the credit bureaus as duplicate accounts often, which significantly negatively impact my credit score and prevent me from renting a home for shelter and opening new lines of credit.
Product: Student loan

NELNET EXPOSED & SHARED MY NON-PUBLIC PERSONAL INFORMATION WITH XXXX, XXXX, AND XXXX XXXX WITHOUT MY CONSENT AND PERMISSION. 

PLEASE REFER TO MY LETTER OF EXPLAINATION THAT IS UPLOADED, ALONG WITH MY CREDIT REPORT
Product: Checking or savings account

Deposited check via Mobile Deposit. ( Mind you I have been depositing the same check every month for the same amount ). Check was deposited on XX/XX/XXXX. Received a letter that " a check '' was not able to be read. I called USAA on XX/XX/XXXX the rep could not " find '' the check in question. He stated he would call me back when he found the check. No call back. Woke up today USAA took {$1800.00} from my account. The spoke with the first customer service rep to found the check and she said she could read the info although it was blurry. She transferred me the higher review individual who was not helpful told me I had to contact the issuer and get a new check and mail it in their branch in the meantime. They could not issue a credit or. manually enter in the check. 

This is an inconvenience that is not my fault. If there was a problem with the mobile deposit then why was the check cleared. As a XXXX percent XXXX  vet this is the service I get from USAA? To totally XXXX  out my account for 30 days or more? I have no money for food or anything.
Product: Checking or savings account

Very dissatisfied with Bank of America. They made a mistake in not closing my XXXX Account. I had walked into a BOA facility and requested to have my money pulled out of my savings account and have it closed. The teller said that a XXXX would need to do the closing. I had to wait for a banker to become available. He came over and signed a document and I received my money. I asked, " Is the account closed ''. They said, yes he would take care of it. But he didn't. Then when last XXXX,XX/XX/XXXX came they charged me a $ XXXX service fee for not having enough in the account. Then they charged me XXXX more times, before I could get in to speak with someone. Once I did, they said they couldn't close it now because it was in the negative and that was due to the service fees. I had to go home and call the Cust Serv number and explain this all to them. They removed 2 months of service fees but said now I had to transfer money from my checking account to the savings account to zero it out. I did this and the agent was able to close out the account that should have been closed last XXXX. I called twice to request that they reimburse me for the amount I had to tranfer over to zero out the account. Cust Serv now says, that because the account is now closed they are unable to do anything. It was their mistake, but because the account is now closed, they " say '' there is nothing they can do. They need to own up to their mistake and reimburse me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was wondering why the furnisher is reporting this account as accurate when they dont have legal status to do so. Im not a lawyer or anything but if a furnisher doesnt own the account anymore, then how can they validate it? This account is clearly inaccurate. Not only that I am a victim of identity theft and the account from XXXX is a result of identity theft. But what struck me was that the other two bureaus removed the information I challenged. But For some reason, your company did not remove it. Im a little confused here. How is it that the other two bureaus removed the inaccurate information and your company did not? I thought you were contacting the same furnisher about this inaccurate information. If the furnisher verified that the information was incorrect with the other two bureaus, then why would they not do the same with your company? Are you sure you contacted them because this inaccurate information is stopping me from getting approved for credit, and Im starting to get upset. Believe me, it takes a lot to get me upset. I think your company made a mistake with this account given the fact that the other bureaus found that these accounts were inaccurate. Now, Im not a complainer, but I do need this fixed. I need this error resolved immediately.
Product: Student loan

I noticed my account at MOHELA was put in general forbearance which I did not request. I asked for removal of the forbearance and was told by the agent it was not possible. I was told it took up to 84 business days for processing. This would prolong my PLSF qualifying payments by 3 to 4 months.

I called twice. First agent was in training and transferred me where I waited over an hour. I tried calling back and spoke to a specialist agent who informed me I could not take any action. She transferred me to a supervisor in which I was disconnected.
Product: Mortgage

Subject : Formal Complaint Against South River Mortgage & XXXX for Violations of Consumer Protection, Contract Law, Real Estate Law, and Elder Financial Abuse Laws I. Introduction I, [ Your Full Name ], am filing this formal complaint against South River Mortgage , LLC, XXXX, and any associated entities for serious violations of federal and state laws, deceptive lending practices, financial elder abuse, predatory mortgage lending, and failure to comply with contractual obligations under Alabama Homestead and Consumer Protection laws.

This complaint requests an immediate investigation, legal enforcement actions, potential rescission of the fraudulent loan contract, and financial restitution for
the unlawful practices committed against me.

II. Summary of Violations South River Mortgage and its loan servicing partner, XXXX, have engaged in multiple violations of federal and state laws including, but not limited to : 1. Federal Truth in Lending Act ( TILA ) Violations ( 15 U.S.C. 1601 et seq. ; Regulation Z, 12 C.F.R. Part 1026 ) Failure to provide clear and conspicuous disclosures regarding loan costs, interest rates, and settlement fees. 
Misleading disclosures regarding total finance charges and how they would impact the remaining equity of my home. 
Excessive hidden fees and failure to explain the true costs of the loan in writing before execution.

Improper GFE ( Good Faith Estimate ) that concealed substantial costs beyond the 10 % tolerance rule.

2. Unfair and Deceptive Acts and Practices ( UDAP ) - Federal Trade Commission Act ( 15 U.S.C. 45 ) Charging me over {$27000.00} in settlement fees for a {$36000.00} loan, constituting predatory lending and financial exploitation. 
Falsely representing loan terms by inflating closing costs and providing an interest rate significantly above industry standards ( 9.675 % vs. normal 5-7 % ).


Failing to act in good faith and fair dealing, in violation of UCC 1-304. 3. Elder Abuse & Financial Exploitation ( 42 U.S.C. 1397j ; Ala. Code 38-9-8 ) Targeting me as an elderly homeowner with deceptive financial products designed to drain my home equity while providing minimal benefit.

Structuring the loan to force early foreclosure or depletion of assets, which violates financial elder abuse protections.

4. Real Estate and Homestead Violations ( Ala. Code 6-10-3 ) Failure to obtain spousal consent for a homestead mortgage contract potentially invalidates the mortgage under Alabama law .

Improper loan servicing transfer from XXXX XXXX XXXX XXXX to XXXX without my clear acknowledgment or consent. 
Failure to disclose potential tax liability and risks associated with the loan potentially leads to foreclosure. 
5. Unconscionable Contract & Predatory Lending ( UCC Article 2-302 ) Excessive and one-sided fees designed to maximize lender profits while stripping me of home equity.

Misrepresenting repayment terms and hiding key financial details in legalese and fine print.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies "  XXXX  '' and " AMERICREDIT '' have pulled a report on my credit without my authorization on  XXXX   XXXX ,   XXXX   from   XXXX   XXXX   to   XXXX   XXXX  , Corporation "   XXXX   ''  may  have authorized this credit report without my authorization on the website "  XXXX   XXXX  '', was swindled into entering car I was looking for and providing contact information, no where on the page did it specify credit reporting. "   XXXX   '' was contacted and claimed to have no information on my credit report inquire. Conversation recorded, pictures of website with no specifications of credit reporting filing present.
Product: Checking or savings account

I did a direct deposit from my XXXX and XXXX, chase bank closed my checking account that they are holding my XXXX {$730.00} and my XXXX {$230.00} and they will not release my XXXX funds to me, I have went to chase office in person to talk to the manager and she would not assist me that chase bank have closed the chase checking account, both XXXX and XXXX XXXX and retirement is setting in this closed account, I have spoken with social security agents that XXXX and XXXX payment is setting in that closed chase checking account, chase bank have not returned money back to social security, they refuse to release my money from social security to me XXXX XXXX XXXX, chase bank illegal holding my XXXX and XXXX of XXXX and XX/XX/year> 2024
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$1800.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to resolve the multiple negative accounts on my credit report, however due to poor lack of inverstigation, validation, and communication I am requesting that all of the accounts be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax hack put my credit and social security number at risk. The solutions offered such as one year credit monitoring and 90 day fraud alert seem insufficient. I have little control over my personal information stored by Equifax but face the negative consequences if something occurred.
Product: Vehicle loan or lease

I bought a truck in XX/XX/XXXX from XXXX XXXX XXXX in XXXX, Texas. I made my first two payments on time, but due to layoffs and the corona virus, I was late on my third payment. It was due XX/XX/2020 and I paid it XX/XX/2020. I had spoken with the bank ( United Auto Credit ) and they assured me that if I made the payment my account would remain good and that I would be back on track. The dealership urged me not to pay the payment, telling me that my loan was no longer valid. I made the payment because the bank insisted it would be okay. During the time, the dealership called and texted me repeatedly telling me to bring the vehicle back. The bank insisted I must maintain possession of the vehicle. As of today, XX/XX/2020 I was informed that my loan account had been returned to the dealership to purchase. The dealership informed me they would repurchase the vehicle and file it as stolen if I dont return it tomorrow. My cousin who has been in the car dealership business has went over my contract and even he says something isnt right about this situation. I need help!!!!
Product: Mortgage

I had taken out a 10 year mortgage with Quicken Loans. I was fortunate to pay down my loan quickly and use savings I have accumulated to pay the loan down in the month of XX/XX/XXXX to a principal amount to be satisfied with my final regular scheduled payment in XX/XX/XXXX. XX/XX/XXXX came and Quicken did not pull the final payment that was scheduled to be paid by automatic payment and they forced me to have a payoff statement printed when I called in to inquire why. They took my final payment over the phone but charged me {$25.00} for printing a payoff statement that was totally unnecessary. I believe this practice is in place to avoid Quicken sending numerous statements to 3rd party lenders to compensate them, but after getting a call each day asking about a refinance I think the fee is so they can pay folks to harass me as to my intentions with payoff the loan and solicit me for borrowing more $ circ 2000 's  companys pushing sub prime loans. Since I paid this loan off in the ordinary course of payment NOT REFINANCE why should I have to pay {$25.00} to allow Quicken to simply pull the regularly scheduled payments when due which have brought my loan to {$0.00}. I am ok with them charging me {$55.00} to send the satisfaction piece to my recorders office as this is a direct charge, but this extra {$25.00} is due back to me and all other borrowers that were able to payoff their loans in the ordinary course of servicing not through a refinance with another lender which is what the {$25.00} is meant to do. Otherwise Quicken needs to clearly disclose to customers that their last payment in the amortization will be increased by {$25.00} to pay them a fee.
Product: Debt collection

WORLD FINANCE CORP is reporting to the XXXX national credit company 's on a debt that is either older than 7 years old or not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian does n't want to delete all the negatives collections and Unauthorize hard inquiries and negative accounts that are closed after Bankruptcy Chapter XXXX after it was discharged by Federal XXXX, Texas on XXXX XXXX,2016.
There should n't be no negatives like collections or creditors open accounts like XXXX XXXX credit cards, all account on credit reports should be deleted. The only creditors that should be displaying on my Experian, XXXX, XXXX should be XXXX XXXX XXXX and XXXX XXXX XXXX.
All other creditors was included on bankruptcy chapter XXXX and Experian data should delete all discharged creditors.
Experian is in violation of my ADA Disability Act Civil Rights under the Department of Justice and Federal Bankruptcy Laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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 XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Hi I have been on a mission to help women in Danger from XXXX in XXXX XXXX, from XXXX to XXXX. My mission ends XXXX I do not owe a debt to LVNV Funding LLC/ XXXX XXXX XXXX. I have credit alerts and not one account should be open without a phone call or some kind of permission or alert. I did not sign a contract or give any ID I did not go into any agreement for a credit card or any account with this company. I did not Authorize anything. as I am living out the country. Please remove this again for the 2nd time.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$36000.00} XXXX XXXXXXXX XXXXXXXX Balance Owed : {$290.00} XXXX XXXX Balance XXXX : {$9600.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.