23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I Called Flagstar about a loan that I had taken out with XXXX XXXX back in XXXX, and then XXXX XXXX got bought out by Flagstar and my loan I guess transferred over to their system, and never contacted me about it, I called them multiple times over the past month trying to resolve the issue with the loan, but was pushed off to 4 other departments because they could not find my name, then someone finally found my name after the fourth transfer an said they had to transfer me to this company called the Consumer Loan Task Force. I got their voicemail but could not leave them a voice mail because it was full and could not leave them a message. I then called Flagstar back to try and see if I could just take care of the loan with them, they said no it had to go through this company and I told them hey their voicemail is full I can not get them to answer even though their company says they are open XXXX XXXX XXXX XXXX, no one answered me. Flagstar told me they would send them a email stating what was going on and that I would like to resolve the loan issue and to tell them their email is full. I waited a couple days to see if anyone would call but they did not, so I called them again and come to my surprise their voicemail was not full anymore, so I left them a voicemail and I yet have to hear back from them and its been about 2 weeks, I called them today XX/XX/XXXXXXXX  and left them another voicemail even though it says not to leave more then one. I did anyways because they have failed to contact me back about anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Student loan

I am still enrolled in school, an online/fully remote, full-time program. Out of nowhere, Sallie Mae sent me information saying that I am no longer a student and that my loan will start repayment. I tried to resubmit the deferment form, but they refused to accept it because it wasn't printed and signed by a school official. The school official, associate registrar XXXX XXXX, did sign the deferment form, but it was signed digitally via XXXX. Despite XXXX being a legally binding signature, Sallie Mae refuses to accept it. I am enrolled in an online-only school, so I can not visit an in-person office. I am also unable to get a direct response from XXXX XXXX, as her assistants and other workers of the registrar 's office respond on her behalf. I have told them that she needs to print the form and sign it by hand, and I am having trouble getting a response because she has already signed it. Sallie Mae accepted the form marked with XXXX at the end of 2022. I'm not sure what to do. This has hit my credit. I'm trying to move, and they have been insulting, unhelpful, and challenging.
Product: Debt collection

I consumer XXXX XXXX of the U.S as defined under 28 USC 3002 a federal corporation. And anything with my credit card pursuant to 15 USC 1601 is obligation of the U.S. I XXXX XXXX never entered a consumer transaction or gave any content with Ability Recovery Services ( third party debt collector ) to obtain any of my information. Pursuant to 15 USC 1692b Ability Recovery Services has violated many federal laws they states i owes a debt which is clear violation of 15 USC 1692b ( 2 ), they sent mail with there symbols and logo which is violation of 15 USC 1692b ( 5 ) I sent company Affidavit of Truth, along with Cease and Desist, attached with invoice for federal violations under FDCPA, along with with validation of debt letter!! Company calls and harassing me during time I am not available!
Product: Credit reporting or other personal consumer reports

To whom it may concern, Under 15 U.S Code 1618B Permissible purpose of consumer reports ( a ) IN GENEREAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX never gave Experian any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This complaint is against Mid America, C/O XXXX XXXX for 8 different RESPA violations under 12 CFR 1024.36c, 1024.36 ( 2 ), ( b ) and or 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) for failure to respond to Qualified Written Request and Notice of Error Mid America Mortgage, C/O XXXX XXXX. Is the Mortgage holder as well as the Mortgage servicer.

In XX/XX/XXXX I noticed that the Mortgage company was not reporting our payments to the credit bureau.

I have made several Qualified Written Requests in accordance with 12 CFR 1024.36a to Mid America Mortgage , C/O XXXX XXXX. , requesting notes from our service file about the handling of our reaffirmation agreement.

XX/XX/XXXX Email to XXXX. XXXX  failed to respond within the 5 and 30 business days requirement, Violating 1024.36c, 1024.36 ( 2 ) ( b ) and or 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) XX/XX/XXXX Qualified Written Request sent certified return receipt. XXXX failed to respond within the 5 and 30 business days requirement under. Violating 1024.36c, 1024.36 ( 2 ) ( b ), 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) XX/XX/XXXX Notice of Error sent certified return receipt. XXXX   failed to respond within the 5 and 30 business days requirement, violating 1024.36c, 1024.36 ( 2 ) ( b ), 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) XX/XX/XXXXSecond Request for information ( QWR ) sent certified return receipt. XXXX  failed to respond within the 5 business days requirement, violating 1024.36c. 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) XX/XX/XXXX Second notice of error sent certified return receipt. XXXX failed to respond within the 5 business days requirement, violating 1024.36c. 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) This is a total of 8 different RESPA violations.

Under 12 U.S.C. 2605 [ f ] [ 1 ], 2605 [ f ] [ 3 ].

Since the servicer failed to take one of the required actions within the time limit, under RESPA, as borrowers, we may recover : any actual damages suffered by the borrower, if there is a pattern or practice of servicer noncompliance, additional damages not to exceed {$2000.00}, and attorneys fees and costs.
Product: Credit card

An American Express card is currently opened in my name. 

Account #. XXXX Date Opened XX/XX/XXXX Status XXXX XXXX XXXX XXXXXX/XX/XXXX Balance - {$1900.00} I once did have an American Express card that opened XX/XX/XXXX that later Charge Off in the amount of {$1300.00}, according to all my credit files. This account number was XXXXIm aware of this account.
Product: Credit card

In XXXX, 2016 I received an email from Citizens Bank, XXXX, CT instructing me to activate my credit card. I immediately called the bank and wrote them to complain about the email since I was not a customer of the bank. I spoke with XXXX XXXX 
XXXX at Citizens Bank, XXXX XXXX XXXX XXXX, XXXX XXXX. I wrote her on XXXX XXXX asking who my socalled card was mailed to. 

I got no response to my letter. On XXXX XXXX, 2016 I received another email Instructing me to activate my credit card. 
I request that your agency investigate this bank to insure that this in not another scam similar to XXXX XXXX and to have this bank remove me from its marketing list. 
XXXX XXXX XXXX
Product: Bank account or service

The check I deposited into Chase Bank was cleared and paid to Chase Bank but they have put a hold on the funds for 8 ( eight ) days. It was a transaction between different banks which I both had accounts with. Very puzzling why my funds are not available to me, though Chase Bank has been paid! I 've contacted them by phone and was told to wait till XXXX so they could call XXXX XXXX ( other Bank ) to verify. Still till this day have not gotten funds available to me ... ..Keep getting e-mails from them saying deposit is on Hold! 
I ca n't go into Chase Bank to make a Cash deposit to cover any possible transactions submitted to them for payment from my checking account -- checks will possibly bounce due to this ...
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XXXX XXXX XXXX  XXXX hard inquiry without my knowledge / I have not made any changes to my credit / no new applications etc There is no contact information listed XX/XX/2019 XXXX=XXXX XXXX XXXX XXXX . 
hard inquiry without my knowledge / I have not made any changes to my credit / no new applications etc There is no contact information listed
Product: Credit reporting or other personal consumer reports

There are accounts on my XXXX, TRANSUNION & XXXX that don't belong to be & I have no knowledge of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter because of erroneous information on my file. I have been trying to dispute, but all to no avail. I demand for comply and conform to fix it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XX/XX/XXXXXXXX, Iowa XXXX Subject : Dispute of Charge-Offs on Credit Report Dear CFPB, I am writing to formally dispute the charge-offs that are still being reported on my credit report. I have reviewed my credit report from XXXX and found the following inaccuracies : Account Name/Number : [ XXXX XXXX XXXX XXXX ] Account Name/Number : [ XXXX XXXX XXXX ] Account Name/Number :XX/XX/XXXXXXXX ] Account Name/Number : [XX/XX/XXXX XXXX ] Account Name/Number : [ XXXX DEPARTMENT OF EDUCATION XXXX ] Account Name/Number : [ XX/XX/XXXXXXXX ] Account Name/Number : [ XX/XX/XXXXXXXX XXXX XXXX Account Name/Number : [ XXXX XXXX XXXX ] XXXX. Dispute Reason : This charge-off is incorrect due to potential identity theft. My personal information was compromised in the XXXX XXXX XXXX breach in XXXX, which exposed sensitive data of approximately XXXX XXXX individuals, including Social Security numbers, addresses, and other personal details XXXX. Dispute Reason : This charge-off was sold to a collection agency, and it is inaccurately being reported by the original creditor. Under the FCRA, I request that this item be removed from my credit report. 

I have previously disputed these items with the credit reporting agencies and the creditors involved, but the charge-offs remain on my report. I am requesting that the CFPB investigate these matters and ensure that all disputed items are removed from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt resolution of these issues. 

Sincerely, XXXX XXXX XXXX
Product: Bank account or service

I have been a customer with Bank of America for many years. Mostly, I am happy with their service. However, on the date of XX/XX/XXXX, I was given XXXX overdraft fees totally XXXX dollars. Now, I plan my funds out to a tee with each direct deposit. I found it odd, and upsetting that the order my transactions were processed, is what caused me these overdraft fees. When I called the XXXX number, I was tossed around from rep to rep. I was even once disconnected, and not called back. I then made an appointment, and entered a branch, where I was treated with disrespect. These persons explained I could not have either fee reversed, because I had one earlier in the month ( 3rd party error ). My complaint is this : how are you, as my financial institution, allowed to pick and choose? Why when I asked how many a person was allows annually, I was given several different answers? Please do not pick and choose your fees based on how a customer is paid. I am given XXXX separate direct deposits every two weeks. By the end of the month, I bring your bank close to XXXX in MY income. You ca n't give me back XXXX measly dollars back in fees? I 'm seriously confused, and upset by this.
Product: Student loan

I went to XXXX XXXX after XXXX school and they automatically gave me these loans and now my credit is ruined and I cant get a house and they never found me a job in this feild. I am now in a different feild but the private loans are having to be paid back and I am barely making ends and cant consolidate them to help make it easier. I am paying on them to help from ruining my credit anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have noticed that an account for XXXX XXXX about account # XXXX which does not belong to me and is a result of identity theft. The item I am disputing do not relate to any transactions that I made or authorized. Please remove or correct this information at the earliest possible time. Contacted tried to resolve this matter with the bank TRIED TO CONTACT THIS INFORMATION WITH XXXX XXXX and spoke with XXXX at XXXX and he created a Fraud File # XXXX. As required by section 611 of the Fair Credit Reporting Act, I am requesting that item be removed immediately to correct the information.
Product: Vehicle loan or lease

I filed for bankruptcy back in XX/XX/2019 and did not reaffirm my auto loan but chose to keep the vehicle and continue payments. Even though I have continued payments on a timely basis the bank refuses to report my payments, telling me that I MUST reaffirm the loan in order to have them report payments. This is basically BLACKMAIL! I now know that lenders dont even have to report your payments to credit bureaus, but to hold this over your head when youre trying to rebuild your credit is not fair and should be illegal! I know that by not reaffirming I am not responsible for the loan, but I feel as though Im doing the right thing by keeping up with the payments and being punished for it! I would think that Huntington Bank would want to do the right thing too, and report my payments. Yes I did call and talk with them!
Product: Credit card or prepaid card

I have a US Bank XXXX XXXX credit card, which offers trip delay insurance, as advertised here : https XXXX XXXX 

I filed a legit trip delay claim through US Bank 's partner XXXX on XX/XX/XXXX, requesting ~ {$400.00} reimbursement. Additional documents were submitted as required on XX/XX/XXXX. However, it has been over 4 months, I haven't received any feedback & payment. Today, XX/XX/XXXX, I noticed that XXXX closed my claim without payment & notification. Additionally, US Bank refused to act on behalf of me. 

This is a false advertisement of the benefit. I request US Bank 's response.
Product: Credit reporting or other personal consumer reports

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

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries 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 a 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: Payday loan, title loan, personal loan, or advance loan

I took a loan out to help my grandmother. She passed away and Ive had trouble making payments since Ive been taking care of her stuff and legal fees. Tower loan does not care and has called me 16 times within a 10 minute period and then 3 more times from the managers personal phone number. They have called people that have denied giving them information and to stop calling and continue to call 4-5 times a day. The manager has also texted me threatening me if I dont answer his phone calls
Product: Checking or savings account

Subject : Fraudulent transactions conducted in my absence amounting to over {$120000.00} from my Savings account at Marcus by Goldman Sachs. 
Summary : I am on XXXX XXXX in the USA and was out of the country for a long duration due to my father 's accident and my personal serious illness due to XXXX. In my absence there were total 345 fraudulent transactions conducted due to bank 's negligence and the bank failed to lock my account or notify me. These transactions happened for over 8 months from XX/XX/XXXX till XX/XX/XXXX. 
I have repeatedly contacted the bank to resolve the issue and refund the amount, but only a partial amount was refunded and the bank refused to acknowledge fraud stating that the transactions were legitimate. 
My family is going through a tough time and my father is still in XXXX XXXX Such a huge amount is a big loss for me and my family. 
I urge you to look into this matter and help me recover my funds.
Product: Payday loan

I applied for a loan from Castle Payday Loans ( now XXXX ) in XXXX 2015 for {$1000.00} online. I received a phone call from CPL stating I have been approved for the {$1000.00} loan and the finance charge would be {$350.00}, thus bringing my total to {$1300.00}. I have since paid {$2400.00}, over {$1000.00} more than I was told I had to pay. CPL continued taking payments from my bank account, so I blocked them from drawing payments from my account. I tried to log into my CPL account, but it would no longer allow me to log in. I contacted CPL and spoke to a representitive from collections and I conveniently got dropped once I told them there was a mistake with my account and had been overcharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 i sent a letter to equifax explaining that i wanted to have a investigation into some items i feel were not accurate. to this date they have yet to respond to my request.
Product: Credit reporting or other personal consumer reports

I've been trying to work with a certain mortgage home lender for the past year & for the past year Equifax has been barring access to my credit report. When I call in they tell me that there are freezes nor.fraud alerts on my report but it keeps coming back as frauded. This situation is egregious. Please assist with rectifying this situation.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelle handling disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting to my financial institution and zelle failed to investigate my claims adequately. They informed me that the recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPB findings XXXX that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system.
Product: Credit reporting or other personal consumer reports

I closed the surge XXXX account in XXXX of XXXX  at my own choice. I am currently on what is called their hardship program which I pay {$XXXX} per month. I have made every payment as agreed although surge XXXX continues to report that I am XXXX  days late and that the account is open when it is closed. At XXXX point they did remove the late payment when they saw it was done in error although I believe now there is a malicious entity that is working there in the back office that is maliciously continually reporting a late payment and now they have reported my account as open.
Product: Mortgage

My XXXX XXXX loan was acquired by Nationstar Mortgage in XX/XX/XXXX. All servicing transferred to Nationstar. It is a simple interest-only loan. Upon transfer, Nationstar started calling me saying that I owe them a bunch more money on my mortgage for insurance/taxes escrow that transferred over from XXXX. No such escrow ever existed at XXXX, and I 've always only paid my interest-only mortgage. I 've been on the phone with Everhome for 7+ hours on 4-5 different occasions, and on 3 occasions they told me the issue was resolved. On 2 occasions they promised me a call back, but I never received a call back in either situation. I keep getting calls and mailings telling me that the issue is not resolved, and I owe them more money. No one has been able to explain why they keep trying to charge me more money, or what the heart of the issue might be ( see attached letter from Nationstar showing how all they can figure out how to do is restate the problem, not solve the problem ). Either they are inadequately staffed to process my mortgage correctly, or it 's some kind of scam to get unaware customers to pay them more than they own on their mortgages. I 'm increasingly in the latter camp given that unprecedented effort and continual promises of resolution have resulted in no progress. It 's quite surreal that such an incompetent institution can be allowed to operate in this manner.
Product: Checking or savings account

Around XXXX on XX/XX/XXXX, I was shopping on the US Bank website for CD rates and to see whether the bank required new money for what appeared to be competitive rates. 

I started filling out an application online and entered $ XXXX for a term of 11 months. When the application got to the part asking if the account was to be joint, I exited out into order to sleep on it and follow up in the morning. 

The next morning, I went back online to complete the application and open the CD and found that it had already been opened. $ XXXX had been transferred without my authorization and opened the CD. 

I called US Bank immediately after seeing the open account and have had multiple calls to US Bank customer service and wealth management department, the branch, all the while being told this will be investigated to see what happened. 

I was told on XX/XX/XXXX that they would fix it and put $ XXXX back into the account. A week later, this hadnt happened. I called again and was told that wasnt possible. Then I agreed to keep the $ XXXX for 11 months and had to do a zoom meeting for the signature. I was assured by the guy doing the zoom call, he would submit this to have it investigated as well. 

I was sent a survey asking how the service had been so far with US Bank and I outlined what had happened. Today, XX/XX/XXXX the branch manager called me and said the process US Bank uses is that if you start an application, you have opened the account and thats the way it is and Im not the only one whos had that happen to. He also said the branch is not the same as online banking. 

I requested the manager submit a request to investigate the online banking process for opening a new account since there were no stopgaps before opening and I did not authorize opening the CD. Online investing and opening new accounts should have several confirmations before the transaction is complete. There should be a higher level of accountability with online in order to insure the customer is truly authorizing the transaction. 

In the branch, in person, theres no question because the customer is present and signing a document. Theres not that level of security online and several requests for review and confirmation should be required before authorizing the transaction.