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

The overdraft fee is to high so when u get paid u dont have any money left after paying the fees
Product: Credit reporting, credit repair services, 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 XX/XX/XXXXAccount Number : XXXX Account name : DEPT OF EDUCATION/XX/XX/XXXXAccount Number : XXXX Account name : DEPT OF EDUCATION/XX/XX/XXXXAccount Number : XXXX Account name : DEPT OF EDUCATION/XX/XX/XXXXAccount Number : XXXX Account name : DEPT OF EDUCATION/XX/XX/XXXXAccount Number : XXXX Account name : XX/XX/XXXX Account Number : XXXX Account name : DEPT OF EDUCATION/XX/XX/XXXXAccount Number : XXXX Account name : DEPT OF EDUCATION/XX/XX/XXXXAccount Number : XXXX Account name : DEPT OF EDUCATION/XX/XX/XXXXAccount Number : XXXX Account name : DEPT OF EDUCATION/XX/XX/XXXXAccount Number : XXXX has violated my rights. Or 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.
Product: Checking or savings account

It is ashame to see that after Mr. Trump deregulations the banks immediately jump to increase their profits by unfair polycies : US Bank is sending notifications that starting XX/XX/XXXX they will charge {$25.00} ( rounded ) to checking accounts if clients do not maintain {$25000.00} in deposit or balance in credits with them. Is this the intention of Mr. Trump polycies? Can CFPB do something about this?
Product: Debt collection

Nelnet is willfully and knowingly in violation of the FDCPA.I have notified them to not communicate with me by USPS mail with a tracking number of : XXXX. They received my notification on XX/XX/2023. There is no excuse. I have no contract with them. They continue to contact me.
Product: Mortgage

I applied for a loan modificaiton onXX/XX/XXXX. I clearly marked on the application that I have a decrease in household income. I was told I need to send them proof to show how my income decreased. 
Since I am self employed, I sent them 3 months of bank statements from XXXX to XXXX showing the decrease of business income with a letter explaining this. 
When I called to follow up, the very very rude representative said that I did not show documents that my household expenses increased. I told him again and again, that was not my hardship. I never marked that. I indicated that my household income decreased and provided bank statements showing as such. 
He did not assist me and on top of it, my application was declien onXX/XX/XXXX even though their original letters said XXXX XXXX XXXX i SENT these documents prior to that. Now I am facing losing my home which I put a lot of work into. I put in solar panels for energy saving
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 ISC 1681 Section602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 : it also. States a consumer reporting agency can not furnish a account without 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.

Please remove all late payments from all three bureaus.
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 confidentially under 15 USC 1681. 

XXXX XXXX  : // XXXX All Acccounts Have 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 Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins inaccurate.
Product: Credit reporting or other personal consumer reports

For the past 11 months I have been reaching out the bureau to remove inaccuracies through out my credit report and all lead to no progress. Its been months now and I dont believe have been treated fairly. Under 15 U.S. code 1681e ( b ) I have the right for all my information to be correct to it maximum correctness and should not be tormented with incorrect information. Furthermore these are the accounts that I have been constantly disputing month after month with every chance that I get : 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 Under 15 U.S. code 1681i Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S. code s-2 ( A ) Reporting information with actual knowledge of errors 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.

I am not under standing why these laws are not being abide by or actions or not being taken to change these measures.
Product: Credit reporting, credit repair services, or other personal consumer reports

Site : Credit Karma Account : XXXX XXXX- XX/XX/2017 There is no balance to view for this. It is marked as a hard inquiry but I have never applied for any type of credit card. I already called XXXX XXXX and spoke with an employee. They didnt have me in their system and recommend that I try to get ahold of somebody at Credit Karma. My credit is being affected by this and I dont know what to do. Please help me out!!!!
Product: Credit reporting or other personal consumer reports

Experien breached my information which is a violation of my rights. They sent me information stating it was breached and I would like all negative information removed from my credit report and to be compensated for the breach.
Product: Checking or savings account

BBVA bought out Simple bank. The bank in which I had a checking account. However I have been locked out of my account since Saturday, XX/XX/XXXX. The bank is unresponsive and I can't get through to anyone when I call.
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.

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: Credit reporting or other personal consumer reports

Experian have volationed my right. I demand for them to pay in full for the statutory and actual financial damages they caused me for their non compliance. They never did a proper investigation. They are to also remove all accounts that is listed in my documents.
Product: Credit reporting or other personal consumer reports

an account appeared on my credit report that I am not familiar with - my account was flagged.
Product: Debt collection

XXXX XXXX turned my account over to this company for an error that was clearly XXXX when I tried to get them paid. They do n't know how to work their systems and now are attempting to collect a debt not owed to them. This collection agency did n't verify the validity of the debt prior to sending me a threatening notice to sue me and report to the credit bureaus if I did n't provide them with proof. I owe them nothing! XXXX should 've waited for a response to their last letter to me prior to turning my account over to collections. When I tried to get them to make sure the payment was made and to rectify the issues I was having with their systems and CS people, they did n't move this fast nor did they care. Now they think I owe them something I do n't so they 're aggressively trying to collect on a debt that is not owed by me to them. They had amply opportunity to take care of the debt when I asked them repeatedly to credit the rental policy refund to the auto policy balance due. They assured me it would take place yet sent me a check anyway. Because they screwed up I cashed the check because I refused to go through the hassled of turning that check around to them especially since I 'd repeatedly asked them to make sure I did n't get a refund! So if this collection agency wants to come after me I 'll happily sue them right along with XXXX! If they report anything on my credit I will sue both companies as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and mailed numerous requests regarding these inquiries that did n't belong to me.      XXXX   XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX    XXXX   XXXX  e  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  via  XXXX    XXXX     XXXX   XXXX / XXXX / XXXX
Product: Vehicle loan or lease

I was unable to pay the total monthly payments from XX/XX/2020 - XX/XX/2020 the agent assured me that if I made a partial payment that the car would not be repossessed which was made at the time or a few days after, however, the vehicle was removed from my parking spot, and was towed to an impound lot where I was informed that in order to get the car back I would have to make a payment of XXXX + which I could not provide at the time. and thus I was forced to surrender the vehicle.
Product: Debt collection

On XXXX XXXX, XXXX I notified for the second time for Shellpoint Mortgage Servicing to cease and desist contacting me. 

Shellpoint Mortgage Servicing acknowledged receipt of my demand in a letter dated XXXX XXXX, XXXX. 

Since receipt of its acknowledgment I have received eight more communications alleging different creditors, threatening foreclosure, and alleging I obtained a loan from it. 

Shellpoint Mortgage Servicing sends communications identifying the addressee as " c/o XXXX XXXX, Pro Se '' even though I am not involved in any litigation with it - this is clearly harassment. 

The creditors it claims I owe do not exist. 

It is also reporting inaccurate, incomplete, and unverifiable information to the CRAs about me. 

The Georgia Department of Law 's Consumer Protection Unit has forwarded my previous complaint to the Department of Banking and Finance for further investigation. 

They must be running some racket out of SC.
Product: Credit reporting or other personal consumer reports

Company is committing fraud. The company is not following federal consumer right laws. Have sent in documents and called with no reply or provided documents meaning contracts for fraud account that was open in my name. Its been over a year with no answer I will be filing a civil law suit against all companies listed.
Product: Credit reporting or other personal consumer reports

XXXX  Account # XXXX XXXX XX/XX/XXXX Collection/ Written off amount {$2900.00} XXXX Account # XXXX Date- XX/XX/XXXX Charged off account amount {$1200.00} XXXX XXXX XXXX sold toXXXX XXXX XXXX XXXX XXXX  XXXX XXXX Date- XX/XX/XXXX Closed written off. {$19000.00} I believe these charges offs have been reported in violation of the Fair Credit Reporting Act ( FCRA ) and the metro 2 compliancy requirements. 
I believe the information also reported here is inaccurate, incorrect, incomplet, and misleading. As a result my credit has been unfairly affected. 
also violating below acts 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/2024 and XX/XX/2024, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done "
Product: Consumer Loan

I have taken out a loan with Rise and tried on multiple occasions to pay extra towards the principal and each time they apply the extra monies incorrectly so that the principal amount does not go down and this allows them to charge additional interest I have made multiple phone calls to them and get nowhere the original amount of the loan was XXXX I have paid over XXXX todate and they say my payoff is over XXXX
Product: Money transfer, virtual currency, or money service

Hello We need to get what we were offered and promised! It's a contract! 

The issue here I think can be that the person which I sent a referral to used my original email address when I registered with coinbase almost a year ago, and which I gave to her to register for coinbase, while she didn't have any spare email for that time. So their automated system probably detected duplicate email address which already received a referral offer a year ago. But the person who got a referral has her own name, social security, account number, it's not a duplicate profile! And referral offer was under her name! 

We contacted coinbase many times, they are not willing to help, or even to understand what the issue is and why it's not triggering the referral offer for both of us.
Product: Mortgage

I filed for a loan modification with US Bank, my mortgage company because I am behind in my mortgage. I ca n't pay the mortgage since my husband died, and I had to sell the business. I have significantly less income and ca n't make the payment. I got a letter from the attorney for the mortgage company saying that there was a foreclosure hearing date on XXXX/XXXX/2016. I called them on XXXX/XXXX/2016 but my relationship manager was on vacation. I spoke to another representative who told me that they had received the loan modification application and that it was in review. I asked the representative if they could call the law firm and ask them to postpone the hearing while I worked out a short sale. She told me that it was in review and that they had no sale date and that everything got put on hold until the modification was out of review. Based on that information, I did not attend the hearing on XXXX/XXXX/2016. However, I received a letter this week from the attorney that a sale date had been set for XXXX/XXXX/2016. I am just looking for them to postpone the sale date so I can work out the short sale. I have an investor who wants to buy my house.
Product: Checking or savings account

I have had this account less than 60 days. This is my 2nd complaint I am filing. I am a XXXX  and I work for another XXXX  in XXXX XXXX. I am requesting the CFPB really look into this complaint -- a normal consumer may not know the avenues to take. 

I wrote a check for XXXX to my landlord. Check number XXXX. My account balance exceeds {$5000.00}. I received a vm yesterday XX/XX/XXXX requesting I call HSBC. I was working and was not able to call them back before they closed at XXXX XXXX EST. I also received an email. 

I called HSBC this morning XX/XX/XXXX. I verified my information and that the check was valid. I was informed that the check had been returned and that I was okay to write a new check. The reason the check was returned -- my signature on the check did not match the signature on my account. I proceeded to inform them my account was opened online -- there was no signature on my account. The signature also matches the other checks I have written and cleared the account. 

Now my reputation with my landlord is tarnished as HSBC returned my check without proper cause -- when I had the funds in my account. I will be charged a late fee from my landlord and any other fees that he incurs as a result of HSBC returning a check when I had funds in my account. HSBC should be responsible for these fees due to their errors. 

Again I asked to be transferred to the complaint area of HSBC and was told there was no such area. I asked to be transferred to the executive office and again was told that I could not be transferred. 

HSBC has no way of internally escalating customers complaints when they call into HSBC. They have no way on their website for contact information. Most consumers would just get frustrated and not pursue the compliant. As I am in banking, I know that I can get a proper response by go to the CFPB. This should not be the case. This bank should be required to have an internal mechanism that a consumer can access to escalate concerns with the Bank. 

I don't want the canned general response. I want this bank to actually do something and fix their practices -- they make life difficult for other banks. I will be closing my account and going to another bank. This is ridiculous at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent by error or anyone other then myself, I am a consumer by law and my information was misused in a data breech ( XXXX ) now I have some account and items that are not 100 % accurate on my credit report. That was unauthorized use of my credit report.
Product: Credit card

On XXXX this company was in receipt of a letter or request to rescind the agreement under the truth in lending act for failing to comply with the consumers request, misrepresentation, fraud, and breach of a legally unenforceable agreement with tracking number XXXX. This company continues to blatantly disregard the issues contained in the letter and breach a fiduciary duty. The agreement lacked consideration therefore making it legally unenforceable under Arkansas AMI 2402 Contract Formation, Arkansas Code 4-88-107 ) Engaging in any other unconscionable, false, or deceptive act or practice in business, commerce, ( this company was informed the credit extended or granted was provided by the consumer social security card or number, which was misrepresented on the agreement. This company is also engaging in unjust enrichment assessing interest fees on money, credit, that was never loaned due to fractional reserve lending preserved by all banks constituting all banks only create money and obligations. Therefore the consumer only pledged the legally unenforceable agreement and this company should be held liable for their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 i found out that i was a victim of identity theft. i added a fraud alert to my file and sent Equifax, XXXX  and XXXX  regarding my concerns and to delete all the negative accounts and inquiries that were the results of identity theft. i have sent them more supporting documents to support my request. please see attached FTC complaint attached to my file. That have all the inquiries and negative accounts listed
Product: Debt collection

In the month of XXXX, I called the creditor XXXX to request a proof of balance, a contract that would make me liable for the debt, and as well as a 1099 for the balance. This was asked to get validation of the debt they claimed I owed them. In regards to the information I requested, they were unable to provide with any documentation I requested.
Product: Credit reporting or other personal consumer reports

I seek your assistance with the false account appearing on my credit report. This matter has severely harmed my reputation, and I need your intervention. Your mishandling of my credit report has brought me to a breaking point, as your incorrect reporting has shattered my reputation. You need to correct this situation so I can have peace of mind with my family.
Product: Checking or savings account

Saturday XXXX XXXX XXXX funds were deposited after they informed me they were not taking anyone deposited or credits to the account.