23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

Ally Financial bank has been calling me regarding my auto loan, they have been charging me many many fees, late fees, late charges, etc on my car loan. I have asked to have all loan fees in writing to me on several different occasions, XXXX, 2016, XXXX 2016, and XXXX 2016. They have not done so. They say they will, but they have never sent out anything in writing to me so I can review all the over charges I am accruing. They say it is on my statement which is not true. My statement only shows me the latest over fee, nothing more. I am tired of the rude and mean behavior on the phone, they have put my car in collections, refused to work with me on keeping my car and threatened me that " someone '' will come get my car from me. If they can not show an accounting of all the fees I have been charged, then I should not have to pay them, but they argue and are aggressive on the phone not allowing me to speak at all, and lying to me about how they will send all the overcharges out to me, but never do. I have paid off the car loan, I had to pay all of the fees to obtain my car because they refused to take any of them off at all. They would not even consider it, they treated me like I was a criminal, an ingrate, and were very rude and unfriendly. They have made thousands of dollars from this loan, but I am the one who has paid all the fees with no accounting from them. I want to know what I paid and if these fees were reasonable. They already charge a high rate of interest for the loan, it is unconscionable that I or anyone should have to succumb to their demeaning behaviors and horrible costumer service. They were not helpful nor did they want to be. All they want is for the consumer to pay without regard for any accounting of what we are paying, and treating us without regard to our rights as consumers. I will never bank with this bank ever again, and I think they need to be investigated for their fraudulent banking activities and aggressive and rude tactics.
Product: Checking or savings account

This complaint is regarding the Wellsfargo XXXX XXXX service. I use the account to pay for my monthly bills including my Student Loan payments. My student loan payments resumed XX/XX/XXXX. I sent payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The payee information entered by me on XXXX XXXX is US Department of Education, XXXX XXXX XXXX, XXXX, GA, XXXX. The payments sent XXXX, XXXX, XXXX, and XXXX of XXXX on the dates listed above were all sent electronically via Wells Fargo XXXX XXXX per the information I entered. However, the payments from XX/XX/XXXX and XX/XX/XXXX were sent via check. These XXXX payments were sent to the wrong address by Wells Fargo. I have the XXXX proof of payment checks/PDFs. On the proof of payment, you can clearly see the Payee Information ( entered by me, the XXXX, GA XXXX XXXX XXXX above ) and the front and back of the check. On the check face, " to the order of '' is listed as Dept of Ed- XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX. On the back of the check, there is an endorsement stamp from XXXX. The WellsFargo XXXXXXXX XXXX changed the payee address to the XXXX, XXXX XXXX XXXX XXXX. I did not at any point list this as the XXXX address ; the only payee address I listed was the XXXX, GA XXXX XXXX XXXX The XXXX, OR PO that Wellsfargo changed the payee to is associated with XXXX. XXXX is not my student loan servicer. I've called Wellsfargo XX/XX/XXXX and XX/XX/XXXX and have explained they sent my payment to the incorrect address and payee without my authorization. They have claimed to escalate the complaint to a manager who would call me back in 1-2 business days. I have yet to receive a call back. They sent my money to the wrong payee and thus far have refused to acknowledge this even though the proof is quite clear on the proof of payment PDF.
Product: Credit reporting or other personal consumer reports

When I received my credit reports from Experian, XXXX, and XXXX, I realized that my mortgage loan payments with XXXX XXXXXXXX XXXX does no appear in Experian ; in XXXX it appears as a closed account, and the XXXX report the only one that reflects my mortgage loan payments with XXXX XXXXXXXX XXXX
Product: Mortgage

I am now in forbearance but my issue is about the balance on my mortgage. I refinanced in 2006 for {$120000.00} and as of today, owe {$110000.00}. I have asked for documentation showing where my payments are going. I have yet to hear from them. I have asked them to explain to me, how after 14 years I have only paid down the balance by {$8700.00}. 
I think I am entitled to know where my money is going. Something is amiss here and boarders on fraudulent dealings. 
My mortgage has been sold twice to different companies, it started with XXXX XXXX. It is now held with SLS Mortgage. 
If you can help me it would be appreciated. 
Thanks XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
DEPT OF EDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XXXX XXXX Balanced {$4000.00} 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX XXXX has violated my rights. 

- 15 U.S.C 1681 section 602 A. States I have a right to privacy.

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

On XX/XX/2020 I received an email saying I owed {$2100.00} on a Citi Costco Anywhere credit card ending in XXXX. I never applied for the card, never received the card and never made any charges on it. I found another email saying the card was approved in XX/XX/2020.
Product: Debt collection

This matter involves an account initially handled by ExxonMobil and assumed by Citibank. I was trying to work this out with Citibank when they referred it to XXXX XXXX. At one time both were trying to collect the same debt from me. Then XXXX called my ex wife and discussed the debt with her. She has never been a cardholder and has no interest in this account what so ever. I do not understand why XXXX would bother her when she is my ex wife, they had the correct address and phone number and all account info. This appears to be a problem with Citibank accounts and the vendors they use for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX XXXX Date XXXX Balance : {$29.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/18, I initiated a wire transfer from my account as HSBC USA to my own account at XXXX XXXX in XXXX for {$35000.00}. I logged into my HSBC account and initiated the transaction using a template that I set up in XXXX when I successfully transferred {$70000.00}. 

On XX/XX/18, the funds had not arrived. I contacted customer service and they confirmed that such a transfer should only take 1-3 business days. I was then told that my relationship manager had to provide additional information. This struck me as strange as I had no relationship manager ; had never been contacted by a relationship manager ; and that this was never a requirement in the past. Eventually, the representative took the required information on behalf of the non-existent relationship manager - the information was the exact same information as the wire instructions. The only additional information I supplied was the branch number, information that XXXX XXXX assured me was not necessary for funds to be delivered. HSBC said the funds would be wired that day. 

On XX/XX/18, I called again and was told that there were security issues and system issue so that the funds had not been wired, but that they would be wired that day. 

XX/XX/18, I called again and was given a series of excuses why the funds had not been delivered, but that an investigation was underway. 

After XX/XX/18, the communication switched to email ( attached ). I have been emailing the relationship manager and customer experience team ( who is in charge of the latest investigation ), but all email responses have ceased since XX/XX/18. I have called both teams, but no one picks up the phone. 

Conclusion : my account was debited on XX/XX/18 for {$35000.00}. As of XX/XX/18, the funds have not been delivered to my account in XXXX and HSBC is unable to tell me where the funds are. And HSBC does not respond to email or phone calls any more.
Product: Debt collection

Applying for a home loan in the month of XX/XX/XXXX, suddenly a collections appears on my credit report from a 3rd party collection agency, sequium asset solution. The collection was referred to them by XXXX XXXX. In XX/XX/XXXX I was a victim of identity theft, someone opened a account with XXXX, I followed all the necessary steps to have this removed from my credit reports. I then had the credit agencies flag my account as identity theft. I filed a report with the FTC, and also put a credit freeze on with the 3 agencies. Whomever opened this account with XXXX XXXX, should not have been able to do so, seeing that my credit was frozen and flagged from the identity theft in XX/XX/XXXX. I disputed the account with the credit agencies, submitted a fraud affidavit with XXXX XXXX, filed a report with the FTC. Spend a small sum of money and alot of time trying to straighten this out, and they are telling me it will take 6 weeks to investigate. This will cost me hundreds, if not thousands in interest for my home loan. With all the safeguards I put in place in XX/XX/XXXX, this account should never have been opened, if only XXXX XXXX had tried to run my credit. I really need for this to be corrected asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report and realized that Experian is not in compliance when reporting information to my credit report. The information they are reporting is NOT correct, accurate, and/or verifiable, and some of the information in my credit report seems to have been mixed or merged. Pursuant to the FCRA ( Fair Credit Reporting Act ), 12 CFR 1022, and the standards of their industry, all information reported by credit reporting agencies MUST be verifiable, MUST match, and MUST be accurate to ensure the integrity and consistency of the information they report. I've also requested Experian to provide me with the agreement that bears the signature of the alleged debtor and proof of photo identification that was presented at the time of incurring these debts in order to ensure they properly verified these accounts. These errors and negligence have been causing me great inconveniences and have affected my ability to utilize my credit for personal, household, and family purposes. The referenced accounts need to be removed immediately and Id like to receive a copy of my credit report reflecting all changes made immediately. I have also attached photos of my credit report reflecting these numerous errors. 

XXXX XXXX XXXX XXXX XXXX - credit card account XXXX XXXX - loan account XXXX XXXX XXXX XXXX XXXX - credit card account XXXX XXXX XXXX.
Product: Credit card or prepaid card

Hello, I received the Way2Go Debit card as a product with which I have received my unemployment insurance funds, roughly around XX/XX/2020. This Mastercard product was accompanied by the associated information and terms of use paperwork. The XXXX XXXX Prepaid Mastercard Card Terms of Use document includes a table under the 26. Fee Schedule section. I have attached an image of the section of interest. Funds Transfer is listed as a category, noting You may transfer funds from your Card account to a U>S> bank account owned by you. You must initiate the funds transfer by calling the automated customer service at XXXX. I wish to note that on XX/XX/2020, I logged in to my account on and searched through the Cards associated website portal, GoProgram.com, and was unable to find any reference to initiating or performing fund transfers online. Furthermore, I called the provided Customer Service phone number on XX/XX/2020. Fund transfers were not offered at any portion of the automated systems choices. I eventually reached a customer service representative over the phone. She confirmed that the customer service department for this card is unable to initiate a fund transfer in any way. She suggested that I complete the transfer online, by logging into my account. I informed her that I had attempted the actions via my account online. She looked further into the situation and reaffirmed my sentiment that transferring funds was also not an option provided to me through my online account. I asked her to confirm that there was in fact no means in which the funds could be transferred electronically or directly to my XXXX XXXX  account. She confirmed and informed me that my only options for accessing the funds are to either withdraw cash via ATM or spend the money through purchases. In summation, the Terms of Use for this card indicate that I may transfer funds from this card to my personal XXXX XXXX  account, while simultaneously no method for conducting this service is offered to me ; XXXX XXXX is not providing the service that they claim to offer. 

I called CFPB on XX/XX/2020, explained the above situation, and was encouraged to file a complaint, preferably online.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner. 


Please disregard the report I sent recently, I have attached a different letter, that is not for me. Please. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX has confirmed that the account on their records is the result of identity theft and fraud. Unfortunately, our experience with ChexSystems and XXXX XXXX XXXX has been nothing short of frustrating and disappointing. These agencies have been belligerent with our private and personal information and have refused to properly investigate and remove the fraudulent item from our records. 

Despite multiple attempts to reach out to ChexSystems and XXXX XXXX XXXX they have not provided us with a satisfactory response or conducted a proper investigation. This leaves us with no choice but to demand the removal of the fraudulent account from our profile. 

The actions of ChexSystems and XXXX XXXX XXXX are in direct violation of federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) guidelines, as specified in USC Title 15, Chapter 41 and 12 CFR Part 1022, respectively. These laws require that credit reporting agencies conduct a reasonable investigation of disputed information and promptly correct any errors or inaccuracies found. 

Furthermore, the failure of these agencies to comply with these laws not only puts consumers at risk of identity theft and fraud but also causes them significant harm and financial loss, which is a violation of the Electronic Fund Transfer Act ( EFTA ) and Regulation E, as specified in USC Title 15, Chapter 41, Subchapter II and 12 CFR Part 1005, respectively. 

As such, we demand that ChexSystems and XXXX XXXX XXXX not only remove the fraudulent account from our profile but also provide compensation for the emotional distress and financial hardship caused by their negligence. We call upon these agencies to take immediate action to rectify the situation and comply with all legal requirements. We will not stop until our consumer rights are upheld, justice is served, and we are fully compensated for the harm caused by their actions.
Product: Debt collection

I sent a letter on XXXX to Mid-South Adjustments specifically asking for verifiable proof ( an original contract with my signature on it ) They were unable to provide it but I was sent a letter asking for me to send in my Drivers License so they can match the signature. I called Mid- South and talked to Mrs XXXX on XXXX. I asked Mrs XXXX if she could send me the the contract with my signature on it and she told me no that they are unable to send the original contract but insisted that I needed to send my drivers License instead. How is it that Im supposedly to be the one that owe the debt but being told basically send my Drivers License so they can match the signature. Mid-South is unable to validate the account. Why must I send in additional information? When they are the ones reporting it. I also have in an attachment the letter they sent me saying to send my Drivers License. If they want me to move that I'm me. my question is how can you say someone owe debt if thats the case. Mid -South should be able to validate without my assistants. Please validate with ORIGINAL CONTRACT with MY SIGNATURE. Also attached is my Original Letter as well asking for validation that I sent MId South.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed XXXX XXXX Bankruptcy. According to United States Bankruptcy code all my property became assets of the state and was overseen by the trustee to whom I made my mortgage payments. My bankruptcy was then dismissed on XX/XX/XXXX. All my mortgage payments during this 10 month period were made to the bankruptcy trustee and not to PHH Mortgage. After the dismissal, per bankruptcy code, the trustee then disbursed the mortgage payments to PHH Mortgage on XX/XX/XXXX totaling {$11000.00}. These payments were rejected by PHH Mortgage. PHH has consequently reported me late to the credit bureaus for XXXX and XX/XX/XXXX.
Product: Debt collection

On XX/XX/XXXX I checked my XXXX banking app free credit report check and found that my score had dropped over 40 points. I then requested an official credit report from XXXX  and found that XXXX XXXX XXXX had created a new collection item on my credit report. This was my first time ever hearing about this. I never received a phone call. I never got a letter to my house ( XXXX XXXX XXXX, XXXX XXXX MI, XXXX ) which I recently moved into on XX/XX/XXXX. No communication came to me of this new collection entry on my credit report. The collection they are claiming I owe is a false claim and I would like to fix this inaccuracy. 

The collection claimed that my account # XXXX was from the original creditor " XXXX XXXX XXXX  ''. On XX/XX/XXXX, I called XXXX XXXX  and spoke with a representative. She confirmed that none of the accounts that were associated with my name had ANY outstanding payments or balance. In fact, she told me that my payment record was perfect. She also told me that both her and her supervisor had never heard of XXXX XXXX selling debt to XXXX XXXX XXXX 

I sent a letter to XXXX XXXX XXXX asking them to inform me of the exact details of the debt that they claimed that I owed. This had been suggested as the best course of action from many sources. 

Please let me know if you need any other information from me and I would be happy to give it to you with great haste. 

Here are the details of the collection entry found on my credit report. I claim that this information is not accurate or true : Account Name : XXXX XXXX XXXX  Account # : XXXX Original Creditor : XXXX XXXX XXXX Account Type : Factoring Company Date Opened : XX/XX/XXXX Account Status : Closed Payment Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated : XX/XX/XXXX Balance : {$220.00} Balance Updated : XX/XX/XXXX Original Balance : {$220.00} Past Due Amount : {$220.00} Terms : 1 Month Responsibility : Individual Contact Information : XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Payment History : XX/XX/XXXX - Failed to Pay XX/XX/XXXX - Failed to Pay
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. 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 aligned with my experience, where Experian has neither corrected nor removed disputed items despite the evidence that I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts, as Experians inaction violates federal law and my right as a consumer.
Product: Credit card or prepaid card

Trying to use the customer chat bot is a joke!! Its ineffective and frustrating. The limitations of its answers are terrible. The answers given are NO help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my credit file that is reporting wrong information. This account was closed and paid off. The account is not past due and is having a negative impact on my credit score. The account information is as follows : XXXX XXXX XXXX XXXX Account number : XXXX Please update or delete this information immediately. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting XXXXXXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.