23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

So online the car is advertised for {$19000.00} I get prequalified through XXXX XXXX XXXX for that dealer so I go to the dealer before or before that I am I could application and had a cosigner they told me to come in they going to deny the preapproval from their partner that they had online so then theyre trying to find me a lender dimensionally do and then say that they need a minimum of XXXX down so then I asked for the shooting in statement which you should have any more paperwork to it they just gave me the sales quote but that was good enough for me at the moment because I was able to see the amount Finance how much the car is costing taxes and fees so XXXX XXXX  was XXXX and price of the car was XXXX sold in the fees was one for XXXX and then another one for XXXX and another one for XXXX so total I was going to be paying a total amount pain is {$27000.00} which is ridiculous because when they did not go over the details with me about any of those charges or they did not tell me which charges I was kidding or what add-onsOr anything they did not disclose any information with me at all and then expect me still to pay the money including title 15 USC 1605 states they can not be no cash involve me in a finance charge the down payment you can not be as illegal and they were still trying to convince me he still channelizing or will they charge for this and this is because it is what it adds up to this and they were just you know trying to find a way around it which is I think misleading in bed practices so thenAre you on the phone with the credit unions underwriters and they tell me they cant speak with me because they want to go to the dealer but I was able to explain to the underwriter who am I sitting by my point by where I stand at it with issues and she did not tell them that I had talk to her so the underwriter straight out just lied so they called back again to get somebody else find that guy into XXXX guy he did call the dealer and then I called the dealer to ask if they had talk to him and he said yeah but Im not gon na worry about that right now I got other customers in front of me right now Im not gon na deal with that right now when beforehand I was there before this customers and I hit XXXX and I feel like it was a lot more important than two customers just walking in but like I said they were trying to avoid the tuition and then at the end they were saying that they were not going to sell me a car and they were denied me a consumer credit transaction so then they basically dont wan na sell me a car because theyre breaking federal law. 

IMPORTANT FEDERAL LAW VIOLATIONS : TITLE 15 USC 1611 TITLE 15 USC 1605 TITLE 15 USC 1662B TITLE 15 USC 1635 TITLE 15 USC 1679a Dealership name is XXXX XXXX XXXX XXXX Washington
Product: Checking or savings account

I received at my home address a Wells Fargo mailer offering a {$300.00} bonus to open a new checking account. The issue is that the first name on the mailer is unknown to me but the last name and address are correct for my home. I am the original owner of that address so no other names can be associated with the address. 

I contacted Wells Fargo in an attempt to ensure that no current account existed and that no future account could be opened using this name and address combination. All I was able to ascertain was that no account using my SSN was currently open. 

Given the history of Wells Fargo opening 1.4 million fraudulent accounts I am very concerned that there is a potential for identity theft or other fraud possible from this mailing. 

I want to know the source of this addressing information used by Wells Fargo and I want to ensure that no account using this name and address combination can be opened with Wells Fargo.
Product: Credit reporting or other personal consumer reports

Notified by XXXX XXXX that Transunion allowed 3 unauthorized credit agencies to access my report without legal authorization and my consent. Call Trans Union to let them know what was going on and the representative XXXX who states that hes a supervisor in special handling told me that there is no inquiries for the three places that credit wise is telling me that Trans Union allowed these particular people to pull my credit report. I am including a copy. Refuse to investigate which is a violation of FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

THE DATE YOU HAVE THIS ITEM REPORTED AS A CHARGE OFF DOESNT MATCH MY RECORDS. I REQUEST THAT YOU VERIFY THE INFORMATION AND REMOVE XXXX XXXX FROM MY CREDIT REPORT I REQUESTED FOR THEM TO SEND THE ORIGNIAL ALLEGED PROMISSORY NOTE AND ACCOUNT TRANSACTION HISTORY AND THE REQUIRED DEFUALT OR ACCELERATION NOTICES I ALSO ASKED FOR THE SALE DOCUMENT AND CALULATION OF SURPLUS OR DEFENCENY LETTER LET ALONG WITH THE FINANCE CONTRACT AND BUYERS GUIDE AND PURCHASE ORDER AND HAVE NOT RECIEVE NO PROOF IM ASKING FOR THIS TO BE REMOVED OFF MY CREDIT REPORT EFFECTIVE IMMEDIATELY DUE TO THIS BEING INVALID ON MY CREDIT REPORT AND IN VIOLATION OF THE FDCPA AND FCRA.
Product: Mortgage

It was not until late XX/XX/XXXX we learned that our bill we has received from XXXX XXXX for XX/XX/XXXX should be sent to Loancare. However our payment sent EXACTLY 1 month later ( XX/XX/XXXX ) Loancare got. At Loancare 's request we went to XXXX bank and got them a statement with XXXX 's name on it telling them that XXXX XXXX had received it. For the last 10 months we have gotten them what ever they asked for and tried to settle it with them. We even went as far to try to talk to their CFO or CEO and to call XXXX XXXX and they automatically sent us back to Loancare.
Product: Bank account or service

I have recently checked my consumer credit report, I have contact the credit bureaus, I was instructed to contact you regarding these hard inquires made on consumer report WITHOUT my expressed written or verbal consent. 

DATE : XXXX/XXXX/2015 Entry/Inquirer : HNB Small Business B
Product: Checking or savings account

On XX/XX/2023, I was trying to sell a XXXX XXXX XXXX  on XXXX marketplace, and the guy said he sent me XXXX thru XXXX, but because I didn't have a " business '' account, the funds didn't go through. So XXXX ( fake ) sent me an email, that said the guy had to send another payment, and I would refund that payment to him. And that I would get my payment of XXXX to my account in an hour. In an hours time, " XXXX '' called me back and sent an email, stating that they guy sent me XXXX accidentally and I needed to refund him another XXXX ( total XXXX ). " XXXX '' said I would receive my original payment of XXXX within an hour, but I have not received it. I called my bank and they can not refund or stop payment and gave me " XXXX '' number, but they are not available to assist nor can help me. 
I do have emails from these scammers if you need them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this account from my credit with XXXX XXXX XXXX  XXXX as I have reached out several times and I have no response as to when this will be resolved.
Product: Mortgage

We have mortgage serviced thru Specialized Loan Services ( SLS ) since XXXX. Original loan from XXXX XXXX. We have never been late or in arrears on this loan. 
I was trying to get a payoff quote. I've called and can not get anyone and even when I do a callback request for within 72 hours it has not happened. I recently set up an account online with SLS at SLS.net on XX/XX/XXXX. I was able to check my loan balance and request a payoff and got it immediately online. I did a communique thru the online messaging. My complaint is that the website is down and continues to be down for many days. Today is XX/XX/XXXX and I have not been able to log in since XX/XX/XXXX. 
SLS asks on their recorded phone info, and with mailed communiques, and all over my bill that you set up and " utilize your online account '' for any questions and information. 
THAT I have done. THEY must have a functioning website. THEY do not. How long can this go on? 
It seems highly irregular.
Product: Student loan

Granite State Management and Resources spontaneously stopped processing electronic payments for approximately a 4 mo period between XXXX XXXX and XXXX XXXX ( after 13+ years of not missing a payment ). They then spontaneously started working again. During this timeperiod I made multiple attempts to pay my loans ( above the minimum payment, an adjustment that started the issue ), received confirmation that the payments when through ( there were sufficient funds during this timeperiod ) and then 10-15 days later they failed to process them, didn't communicate directly with me ( as they had when they worked ). They used 3 different electronic communication methods during this time, one of which was a secured notice via an email notification that expired and was deleted from the history page on line within 4 days of being sent. GSMR failed to respond to my queries and then reported my account to the credit agencies as 90 days late. This came in as a duplicated delinquency as it was a consolidated loan, noting here there was no way to separately pay these accounts through GSMR. GSMR has been unwilling to address the issue and customer service has led to the same individual who is incredulous and rejected my request for review before receiving any of the supportive information where I had detailed this issue chronologically. If you had similar issues during this timeperiod please report it to your state attorney general and on this forum. Prior to this issue I had a perfect payment history and a credit score in the mid 800s.
Product: Credit reporting, credit repair services, or other personal consumer reports

A chapter XXXX Bankruptcy was filed in my behalf XX/XX/2016. It was dismissed by US Bankruptcy court in XX/XX/2016. I asked the Bankruptcy court were they a furnisher and they said that they were not. I have included the response that I have received from them. I disputed the Ch.XXXX bankruptcy and they said it it accurate and verified. That is not correct. They can not put this on my credit file. Only the bankruptcy can and they clearly stated that they are not a furnisher of data.Also according to FCRA 603, they must have oral or written consent from me to put this on my credit. 

The same item was disputed with XXXX  and deleted. I have supporting documentation of that removal.
Product: Debt collection

This company continues to make false claims. This is my fourth complaint and I will need to get legal representation. 
Have pulled my credit report today XX/XX/XXXX and this shows reporting as a collection and not paid. I asked for proof rash and Curtis told XXXX to delete the debt and they didnt They said if I pulled my credit it would not show that is also a lie Now I will need to go to court to have them keep their letters claim which is to request XXXX  to delete
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding unauthorized inquiries on my credit report by Experian, XXXX, and XXXX. It appears that these inquiries were made without my written consent, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b. 

The FCRA outlines permissible purposes for consumer reports, and one of these purposes, as stated in 15 U.S. Code 1681b ( 2 ), is to furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. Furthermore, under P.L 90-321 ( 82 Stat. 146 ), which supports the FCRA, stricter provisions are in place to ensure that consumer reports are only obtained in response to specific requests authorized by certain government agencies.

I have not provided written consent for these inquiries, nor have I authorized any entity to request my credit report for the purposes for which these inquiries were made. As such, it appears that Experian, XXXX, and XXXX have violated the FCRA by furnishing my consumer report without my written instructions or consent. 

I would also like to bring your attention to the Privacy Act of XXXX, particularly 5 U.S. Code 552a ( 4 ), which defines the term " record '' as any item, collection, or grouping of information about an individual maintained by an agency. This includes, but is not limited to, information about the individual 's education, financial transactions, medical history, and criminal or employment history. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to address these unauthorized inquiries. Enclosed with this letter, you will find copies of relevant documents, including my credit report reflecting the unauthorized inquiries. 

Thank you for your prompt attention to this issue. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure that my rights under the FCRA are protected. 
XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding unauthorized hard inquiries that have appeared on my credit report. I have recently reviewed my credit report and noticed several hard inquiries from companies listed below that I did not authorize. 

- Company : XXXX XXXX NA. Date of XXXX : XX/XX/year>. 
- Company : XXXX XXXX. Date of XXXX : XX/XX/year>. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( Responsibilities of furnishers of information to consumer reporting agencies ) and 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ), I have the right to dispute any information that I believe is inaccurate or incomplete. Since these inquiries were made without my consent, I believe they are in violation of the law, and I request that they be removed from my credit report.

I urge you to investigate this matter and take appropriate action to eliminate these inquiries. These unauthorized hard inquiries negatively impact my credit score, and I am concerned about their effect on my financial well-being.

Please inform me of the steps you will take to rectify this situation. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiry or inquires listed on my credit report ( s ) were not authorized : XXXX  - XXXX XX/XX/2020 - XXXX XXXX XX/XX/2020 - Wellsfargodealersvcs XX/XX/2020 Complaints were filed with the credit reporting agencies along with Identity Theft Reports and other relevant documentation, but the information remains on my credit report ( s ).
Product: Credit card or prepaid card

I had purchases charged to my Discover Banking accounts ( Debit Card ), Discover Card ( Credit Card ), and XXXX XXXXXXXX ( Debit Card ) that I either did not make and/or were charged erroneously to my Accounts. I had deposited my personal funds and my XXXX XXXX, Iowa, legally appointed Guardian/Payee funds that I had withdrawn from the XXXX XXXX XXXX into the Discover Banking account. The XXXX XXXX XXXX, in conjunction with the Discover Banking account personnel, are charging my account and my Guardian/Payee account monthly account balance fees ( {$63.00} each ). After closing the Discover cards, I was told that it would take sixty ( 60 ) days to refund my personal funds because the accounts were closed by Discover for suspicious activities in each and in the interim charges would continue to accumulate and be deducted from my personal funds. I am enclosing copies of letters from XXXX and Discover.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account Number # XXXX XXXX  XXXX and Account number # XXXX XXXX XXXX have 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: Mortgage

My house payment was in the XXXX range. US BANK OFFERED A REFINANCE SO THAT WE COULD PAY OFF MY XXXX LINE OF CREDIT WITH THEM. They raised our interest rate by XXXX points. They did not pay off the XXXX line of credit that the claim I owe. My XXXX husband opened this line of credit & ai thin at least half should be removed. They face my husband ( the new one : XXXX XXXX a limited amount & only let him pay off certain debts. We now have a larger house payment, higher interest & they refuse to roll in this line of credit that 's chocking me. We worked again with XXXX at your branch on XXXX only to be turned down. Again & again we have been denied both by VA & US BANK. My husband & I have XXXX or better credit scores, decent income, own XXXX homed & XXXX cars. UsS bank prefers to leave me with their 16 % line of credit ( XXXX ) rather that roll that into our us bank home mortgage. Much more lucrative for them & they will likely end up Peking our house as they are chocking us with 7 % mortgage & 16 % line of credit XXXX XXXX ). My husband has SS & a great XXXX pension. Is his XXXX yr old age a factor? Iwe own XXXX homes free & clear & another only XXXX left on mortgage. The one we 're living in we owe XXXX thanks TO US BANK. Please advise XXXX & XXXX XXXX XXXX XXXX ( also their drive by appraisal of our home was very low -- XXXX trailer in front that blocked the homes view..! ) we are disappointed & my husband has XXXX XXXX XXXX. His stress is now enormous that 's to the lies & the " No '' s we were given. Our veterans deserve better. He has more integrity than US bank will ever know. 
Cheated out of our opportunity in XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX
Product: Checking or savings account

1. On Monday, XX/XX/2019, I received a check from XXXX  XXXX XXXX in the amount of XXXX dollars, representing a refund check for student financial aid due unto me. The check was drawn on XXXX XXXX. 

2. I deposited the check to my personal checking account at Bank of America, using the mobile app. 

3. The app stated that there would be a standard hold, and that the funds would be available the following morning.

4. Looking later online, there was contradictory information stating that the hold would be until Wednesday, XXXX XXXX, at XXXX XXXX. - yesterday. 

5. The funds were made available at around XXXX XXXX. 

6. I paid several bills at that time, and scheduled several additional bill payments to post to the account. 

7. At around XXXX XXXX. yesterday, I became aware that the funds had been debited off of my account, leaving my account with a negative balance of apx. seven hundred dollars. 

8. I called BOA. The agent, and a supervisor ( XXXX - ID # XXXX ), stated the funds were being returned, but that the reason why would not be available until the following morning, and that I could call at XXXX XXXX 

9. I called at XXXX XXXX. but the line for agents was not open. 

10. At XXXX XXXX., I spoke with XXXX ( ID XXXX ) and a supervisor ( XXXX ) who stated that a " stop payment '' had been placed on the check by XXXX XXXX on behalf of XXXX  XXXX XXXX. 

11. I then called a XXXX XXXX  branch, XXXX XXXX, Vermont, branch, and spoke with XXXX. XXXX stated that there was no stop payment for that check or for that amount. 

12. It is troubling that BOA says there was a stop payment, but XXXX XXXX says there wasn't a stop payment. 

13. I left an urgent voicemail for XXXX XXXX at Bank of America corporate office,  but have not received a reply as of this time. 

14. XXXX  XXXX XXXX sent me replacement funds via wire transfer at around XXXX XXXX today. 

15. XXXX XXXX, XXXX XXXX branch manager, called me later in the afternoon. She said she could not provide any information about the check, including whether it had even been rejected by XXXX XXXX or whether there was a stop payment. 

16. Consumers who receive bad checks, or allegedly bad checks, should have some rights to find out what is really going on. I should not be told contradictory things by two different banks and then the second bank refuses to talk about it. I should have some rights to information, and there should be a process to provide consumers with that information.
Product: Credit card

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states it is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared and that is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies XXXX and XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' the credit companies Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), but no consumer reporting agency may also 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states : 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. 15 U.S. Code 1681e states : Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.