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

On XX/XX/XXXX I applied for a personal loan in the amount of XXXX. I did so on my phone. When I applied, a truth in lending disclosure never loaded properly yet I was approved. I called the company on XX/XX/XXXX ( XXXX phone records are available ) and was told that my payment would be XXXX monthly. I tried to make an additional interest payment on XX/XX/XXXX and accessed my account online. The truth in lending statement was available to see at last AFTER I got my money. To my surprise, the APR was 497.621 % and there would be 13 payments of XXXX, not monthly. I called to complain and was told by the agent that they are a tribal government and immune to federal laws. The agent told me that I agreed to the loan terms, which I didn't, and then promptly hung up on me. 

This company has sold my information to other payday loan lenders and has filled my email with spam now. 

By failing to make me aware of the APR and not showing a functional truth in lending disclosure they are in violation and I want this company reported and for them to stop stealing my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 15 U.S.C 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.
Product: Mortgage

Our names are XXXX XXXX and XXXX XXXX and we are members of XXXX. In XXXX of XXXX XXXX XXXX XXXX was hired to carry out a construction project in my house. At XXXX 's suggestion we applied for XXXX home improvement loans ( XXXX & XXXX ) with Solar Mosaic XXXX, each for {$45000.00}. XXXX XXXX XXXX. Solar Mosaic disbursed a total of {$45000.00} & {$5500.00} to XXXX XXXX XXXX without complying with federal regulations before disbursing money to their installer/merchant, which would confirm the expenses and details of the allocation of the money. Due to this negligence and irregularities, it gave ample opportunity for XXXX to abandon the construction project and flee with all the advance money. They have not responded to our multiple messages regarding refunds or a remedy to our situation. We are victims of fraud committed by XXXX XXXX and Mosaic. 

Solar Mosaic LLC permits and relies on home-improvement contractors, such as XXXX XXXX XXXX XXXX XXXX explain and sign consumers up for its novel and complex financing process, but they failed to implement adequate fraud or theft prevention measures. Due to this negligence, we have been a victim of unfair and misrepresented business practices, as well as alleged fraudulent business practices by XXXX and potentially by Solar Mosaic LLC. 


We discovered that federal regulations stipulate that no loan XXXX be insured if the lender knows that any participant in the transaction, such as a dealer, home manufacturer, XXXX, supplier, or broker, has been suspended or debarred or is ineligible to participate in the XXXX XXXX program. On XX/XX/XXXX, XXXX, associated with Mosaic as a XXXX who received the advance home improvement loans money, received citation ( Violation # XXXX ) from the California XXXX XXXX XXXX XXXX XXXX ), which states that the XXXX has received/requested more money than work completed and their license revoked on XX/XX/XXXX. According to XXXX regulations, contractors are prohibited from receiving more than a certain percentage of the total contract price upfront. Despite this information, Mosaic continued practicing business with XXXX, ignoring all the risks customers would experience. 

Mosaic is supposed to act in good faith, and there was an expectation that Mosaic and XXXX, as a financial platform/lender, would exercise a duty of care towards their customers, including flagging down XXXX XXXX ( California State XXXX XXXX XXXX XXXX to prevent fraud and criminal activities. Unfortunately, this duty was not upheld. It's worth mentioning that XXXX has at least XXXX police reports against them for fraud, theft, grand theft, and theft by false pretense for narratives similar to ours. 


We find ourselves in debt for a construction project that was never completed, and Solar Mosaic LLC is not taking appropriate action or offering assistance to us. Despite the numerous complaints about XXXX XXXX XXXX, Solar Mosaic Inc. allegedly continued to do business with them, putting many others at risk of being financially affected. Despite my numerous requests, Solar Mosaic Inc. has not canceled my loan.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX - XX/XX/year>
Product: Money transfer, virtual currency, or money service

Paxful is holding my XXXX in escrow. 
Paxful has deliberately ignored all my attempts to get admin into the matter for three months now and thereby letting my coins to be stuck in escrow. 
Trade ID XXXX Amount XXXX XXXX Date XXXX, XX/XX/2022 This report is to serve as my intent to sue Paxful in the small claims court if Paxful does not send a moderator to look into the situation and release my funds from escrow.
Product: Credit card or prepaid card

I applied for the Wells Fargo Active Cash card on XX/XX/XXXX. Advertised variable APRs at that time were 19.74 %, 24.74 %, and 29.74 % based on your creditworthiness. 
I was approved for the card within seconds and received an email indicating my APR would be 24.74 % after the 0 % promotional rate expired. I reached out to the company the following morning and after going through 4 people I was told that someone who handles customer complaints would get back to me. 
I received a voicemail from XXXX to call them back on XX/XX/XXXX. I called back and she just explained the same terms and conditions I already knew. I explained that I wanted to know why I was only qualifying for the mid-tier APR when I have an exceptional credit score. She said that they use information from credit reports obtained by XXXX to determine the rates. I said that I would like to speak to someone above her regarding the matter and eventually spoke to her manager on XX/XX/XXXX. She said that they would submit my application for further review and have an answer to me in 24-48 hours. I received a follow up call later that day from XXXX XXXX in which she just repeated back to me what had been discussed on the prior phone call. 
After no contact the following week, I reached out to the company on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX looking for an update. I received a call back from XXXX manager on XX/XX/XXXX indicating that the review can take up to 10 business days someone will be in contact with me by the following Friday. 
I received a call today ( XX/XX/XXXX ) from XXXX in which she stated that my interest rate would remain the same. I asked what my credit score was supplied to them on the day I applied for the card and was told it was XXXX. I indicated multiple times that they appear to be advertising false APRs because if people with exceptional credit do not qualify for the top-tier APR, who does? She said the decision is based upon information obtained from my credit report. I asked her to provide the specific reason that I was denied the better rate. I was told that I would need to contact XXXX to review my credit report. 
I had already checked my XXXX credit score myself on XX/XX/XXXX and it was XXXX. There is no negative information on my report that would disqualify me from a better rate. 
I also asked XXXX to supply me with the percentage of applicants that qualify for the 19.74 % APR, but was told that she didnt have that information.
Product: Bank account or service

Citibank distributed a promotion flyer to me in XXXX 2016, saying that anyone, who opens a new checking account, makes an eligible deposit of {$15000.00} or more in new-to-Citibank funds into the new checking or new or existing Savings Plus Account Within 30 days of account opening, and maintains a minimum balance of {$15000.00} for the 30 consecutive days following the date of the qualifying deposit, will get {$400.00} cash bonus. 
I made a deposit of over {$27000.00} on XXXX XXXX into the checking account. For the safety of my funds, some of the money was put into my saving account. Citibank 's monthly statement concludes with an item called " Total Checking and Savings at Citibank '', which I believed was the number that should be above {$15000.00} ( as long as this number was above {$15000.00}, I was eligible for the bonus ). And so I paid attention to the total savings and kept the deposit in my checking account and saving account combined stayed above {$15000.00} till XXXX. In XXXX this year, I called Citibank a handful of times to request the {$400.00} cash bonus but they rejected me saying that my deposit did not stay above {$15000.00} for 30 days. And they would not take the total deposit ( checking + saving ) as the basis for evaluation. 
The information Citibank provided in the promotion and its statement is extremely misleading. And Citibank was never clear about their requirements. The fraud Citibank is committing deeply hurts consumers like me and consumed much of my time and energy.
Product: Checking or savings account

REGIONS BANK This is the worst bank I've ever had to deal with. I am retired collecting Social Security income. The representatives you deal with are totally unacceptable, unprofessional and the Banks policy ( according to what I gathered from what the banks representative tried to explain to me ) is NOT fair and downright robbery to any customer, also the Online Statements are not accurate and are deceiving, unfortunately to any and all customer of theirs. Regions Bank. In one of their internet statements it states We're Regions, and we're here to help. REALLY? 
I called my branch hoping they could explain to me why Overdraft Fees were charge to my account this morning, especially since the night before my Available Balance was not in the red. During the call, the representative, after some nonsensible explanation, told me that I would need to speak to the Manager, who wasnt there, she explained there were other customers waiting ( am I not a customer? ). I reminded her that I was also customer and she needed to attend to me accordingly. I wanted her to explain to me why on the evening before, while checking my online statement every line on the statement was positive and that showed a Posted Balance in the positive, then a Pending Balance ( 4 pending items ) and finally my Available Balance also in the positive. All was good and in the positive, at that point last night. 
This morning when I checked my online statement, Regions Bank charged overdraft fees amounting in total for {$100.00} ( apparently, 3 overdraft fees of {$36.00} each ) that was immediately posted after a positive balance and resulted placing any pending charges in the red. Above this over draft fee of {$100.00} were 2 remaining pending items that were from the original 4 pending charges on my account and as stated above were now in the red. 
This made absolutely no sense to me at all. Keep in mind, I was never in the red the evening before which included 4 pending items, mentioned above, that I already knew about and correct. 
The representative could not explain why overdraft fees were charged, that made any sense to me even after explaining everything I stated above and she began speaking over me while I was talking. She insisted that I speak to the manager on Monday. 
This just doesn't make any sense to me.
Product: Debt collection

Got a phone call from Merchants & Professional Credit Bureau a 3rd party debt collector using the the words Credit Bureau in their name ... .threatened me if I did not cooperate and refused to disclose who they are when I asked specifically. They told me my date of birth but would not tell me anything else ... .they also called my father and this is harassing me and my father! We are legal residents XXXX, and this debt collector is XXXX!
Product: Credit reporting or other personal consumer reports

Please remove the following Inquiries : - US Bank XXXX XXXX XXXX XXXX XXXX XXXX  - Reason : Fraud - Did Not Authorize
Product: Credit reporting or other personal consumer reports

To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX XXXX is reporting a collection amount of a {$0.00} balance and was paid in full as agreed. This agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from Transunion, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be updated. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be updated immediately. 

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

Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone pas the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA, they are required to promptly delete all information which can not be verified. Please resolve this matter as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi : I have leased two XXXX  from XXXX XXXX of XXXX XXXX on XX/XX/XXXX with Financing with XXXX XXXX XXXX XXXX. 
I have paid all the payments on time since it was on " Automatic Payment '' directly from my Bank Account. On XXXX or XX/XX/XXXX and due to their system failure, I was kicked off from " Automatic Payment '' program, backed to " Manual Payment '' without my consent or even without informing me about this change! 
Consequently I was late for more than 30 days on one of my monthly payments and until on XX/XX/XXXX I got a phone call from XXXX XXXX XXXX to discuss this issue with me! 
I told them I didn't ask for any changes on my payment system and want to get back to automatic payment again. They said they are sorry for not notifying me earlier, because I was on " Paperless '' list so they didn't send me any notifications! But they said I can make a payment over the phone and then everything will get back to normal and I will be on " Automatic Payment '' again. Which I did and got back to their " Automatic Payment ''. 
But next week and while I was checking my credit score I realized that my credit score has dropped XXXX points due to the " XXXX XXXX XXXX XXXX '' report on me and because of " Late Payment for more than 30 Days ''! 
I called the company and talked to one of their reps and explained the case, she said they will investigate the case and will get back to me shortly, but have not heard from them since XX/XX/XXXX. 
Now I am planning to apply for a very crucial business loan for my business but because of having low credit score ( XXXX ) it seems impossible, just because of the wrongful report from XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Quicken loans is my current mortgage company who I recently refinanced with in XX/XX/2021. I received 4 phone calls from them today XXXX, when I answered I was connected with a mortgage broker, I explained that I just refinanced and that I was not interested, she then tried to get me to refinance to do a cash out since home values are so high, she then told me she could look into getting me a better rate. She asked if my current employment and income information was still accurate along with asking if there were any liens or judgements on the property. She then put me on hold for about 5 minutes, during that time I received an alert for a credit inquiry from XXXX. When she came back on the line I asked if she ran my credit and she said yes, I told her she did not ask my permission to pull my credit and she replied that when she asked about the liens and judgements on the property it was because they may not show on my credit. I explained to her that is not considered consent to pull credit and that I never agreed to submit an application, she assured me there was no application, however, when I look at my quicken account there is an active application out there. Quicken should be held accountable for their aggressive sales tactics. Had I not been in the home finance industry for 14 years I may not have caught that she illegally pulled my credit. In addition, she did not disclose her XXXX number and by the way the call was handled Id be surprised if she is actually licensed.
Product: Checking or savings account

I opened a checking account in XX/XX/2024 with Truist bank. I presented a check for {$20000.00}. The account was closed a few days later. they said it was due to fraud. I went to the bank, the branch manager called the fraud department, they said it was a fraudulent check. That afternoon I received a copy of the canceled check. I went back to Truist and again spoke with the branch manager. Again he called the fraud department, he told them I had the canceled check. They received the funds one day after opening the account. The fraud department said they could not verify that it was my money so they were keeping it. I have called them repeatedly, they have said that they were unable to contact the issuing bank, so they were keeping the funds. Originally, during my first visit, the branch manager told me the numbers on the check looked funnysomething about sequencing, but refused to show me the check on his computer.
Product: Credit reporting or other personal consumer reports

I have discovered that my credit report contains discrepancies that suggest my credit has been compromised. Upon reviewing my records, I identified items that do not belong to me. As a XXXX XXXX, I am aware that under section 605b of the FCRA, you are legally obliged to remove any items opened due to identity theft. The items listed below are disputed and do not belong to me : XXXXXXXX XXXX  XXXX Balance : - ; XXXX XXXX XXXX  XXXX Balance : - ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$2200.00} ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023. For your reference, I am attaching the required FTC Report. Should there be any belief that these items legitimately belong to me, I request all documentation bearing my signature as proof. This is to ensure that each item is verified with absolute certainty as true, accurate, complete, and verifiable. Failure to provide such documentation and persistence in claiming these items as verified without proof will leave me no choice but to pursue legal action. I have no tolerance for negligence, nor does my attorney. I urge you to comply with the law and address this issue promptly.
Product: Credit card or prepaid card

In reference to my account with ELAN FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have sent many correspondences to them with no luck in resolving inaccurate information. 
XXXX XXXX, XXXX and XXXX none of their information is consistent or accurate. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  shows on time payments every other month. 

As you can see nothing is the same, there misinformation is hampering my ability to obtain a mortgage.
Product: Checking or savings account

We sent money ( {$600.00} ) from our Wells Fargo checking account to a family friend for tickets to a show. Her account was hacked unbeknownst to her and us. 
We immediately ( in seconds ) tried to stop the transaction by following the protocol as instructed on Wells Fargo and XXXX site to stop the transaction. Neither WF nor XXXX stopped the transaction. We called and spoke with customer service, filed a report and still no help or support was given. It was deceitful for Wells Fargo to have us call them when they had no intention of supporting us. 
We were never told that we would not be protected. I followed up with Wells Fargo regarding Regulation E The Electronic Funds Transaction Act ( EFTA ) and Regulation E for electronic funds transfers ( EFTs ) involving consumers and governing transfers by mobile phone apps like XXXX or XXXX. Wells Fargo continued to refuse to protect us. XXXX kept referring us back to Wells Fargo. XXXX should not be allowed to do business without a stopgap and Wells Fargo needs to protect their customers. 
Thank you. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not furnish me a consumer disclosure file, due to deception and manipulation of furnishing incorrect information on my credit file from XXXX XXXX XXXX ( Dealership ) XXXX XXXX XXXX XXXX, XXXX, NC XXXX & XXXX XXXX that is re-aged. Under FCRA Section 605 ( c ) this a serious violation. 
In contradiction, referencing the attachment : Page 2 : I never made a payment in XX/XX/2017 ; page # 2 & 3 will provide proof, I never made a payment in XX/XX/2017 ; page # 2 & 3 will provide proof. Moreover, refencing page # 2, in XX/XX/XXXX 180 days re-aged the account in which I never made a payment only on XX/XX/2017 due to fraud from the dealership. In contradiction, this account should have been reported to charge-off status NOT " re-aged '' at 180 days. ( See attachment page # 2 ) Experian will not furnish me a consumer disclosure file, due to the North Carolina statue of limitations expired debt collection laws. Refencing top of page 2, the " payment history legend '' information furnished on my report is not in sequence 30, 60, 90, 120, 150, 180, R, D, C, CO, CLS, ND ....