23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The following is the short version of what citizens bank pulled- Because of a complaint I registered with customer service department about how I had been GROSSLY mislead by one of their tellers-I was offered a half a point reduction on my equity line of credit which I was using a mortgage now as I had been advised, deeming me unable to take advantage of the one time rates being offered by the president at the present time, further exacerbating my situation. I received a letter from a XXXX drafted on XX/XX/2016 and stamped XX/XX/2016 which told me I had 10 business days to have the document within witness signed by a notary and gotten back to them and if I had any questions to call the XXXX number provided which I did-several times and could not get in touch with her once, but I did finally get a XXXX supervisor-he advised me that he had spoken to this XXXX and that the time element would not be an issue in light of my having called with this discrepancy and to go ahead and mail it back as soon as possible- I took every precaution to do this although I had phoned and spoken to one XXXX supervisor and told him that I felt it was unreasonable in light of the date it had been date stamped, but mailed it out the day it was signed and notarized-XX/XX/2016- & waited to hear back from someone-When I still had not heard back by XXXX I began calling myself only to be told By XXXX that I was supposed to have pt the letter to this XXXX attention XXXX something XXXX XXXX neglected to tell me, so it went to some other office but he would get it taken care of, later on I was then told- '' because they had not received the documents back within the stipulated period of time, they would not uphold their offer ''! -I could not believe what I had heard-they were holding me responsible for the amount of time it took the United state parcel service to deliver the mail-until XX/XX/2016-this to me in not only unreasonable, but unconscionable-I complained as far as to the office of the chairman thinking someone up there would have rational common sense to make of this matter- and was still denied! I will say once again, this is the short version, but for the sake of simplicity have given you the meat and true essence of what has transpired, I do have the original notarized letter as well. 
Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I find it pretty stupid that Sterling Talent solutions does not do background check based on social security numbers, and that you get someone elses info on mine costing me employment. I have never had a criminal record and I have never been to XXXX so all the info pertaining to a XXXX XXXX is bogus, as well as anything else outside of XXXX where I have lived all my life except for 9 months in XXXX at which time I still owned my residence in XXXX. This needs to be addresses as soon as possible in conjunction with the CFPB Thanks Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB XX/XX/XXXX SS XXXX DL XXXX
Product: Debt collection

After carefully reviewing my credit report and seeing as though my credit has been exposed through several breaches and has not been carefully reviewed for accuracy. This company is reporting inaccurate information on my credit report for account number XXXX for XXXX XXXX. I'm asking that this information be corrected or deleted immediately from credit report.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. 

XXXX XXXX  XXXX XXXX  XXXX bankruptcy XXXX Reference # XXXX XXXX  XXXX XXXX XXXX Reference # XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy XXXX XXXX Reference # : XXXX
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 U.S.C 1681 XXXX XXXX XXXX. XXXX Credit report XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reaD. They never verify. I did send them letters they didnt respond.
Product: Checking or savings account

Wells Fargo is in violation from XXXX XXXX XXXX XXXX. in XXXX, TX : VIOLATION # 1 : This locations told me that I need to get a Power of Attorney in order to sign for my husband 's checks. 

The violator : XXXX XXXX between X/2017 - X/2017 VIOLATION # 2 : I was severely inconvenienced.

VIOLATION # 3 : My husband NO LONGER HAS A CHECKING ACCOUNT with Wells Fargo which in the negative of - {$260.00} or so because I could NOTEver get a Joint Banking Account. 

They have gone against bank regulations regarding who can sign for husband 's or wives according to the Consumer Finance Protection Bureau. SEE ATTACHED DOCUMENTS. Police Incident Report is a LEGAL DOCUMENT IN WHICH MY HUSBAND STATES TO THE POLICE THAT I AM HIS WIFE. 

In passing I ran into an attorney, who said all I have to do is open an account for my husband and I. Show the necessary legal document showing that were married. And that I do n't need a POA to sign for my husband because I am his spouse. 


I am the agent. Anyone after a spouse would have to get a POA. There is a clause that protects you as " the spouse ''. 

*********NOWHERE DOES THIS STATE THAT I NEED A POWER OF ATTORNEY**** The banks need to be exposed for not honoring the fact that you are his wife. He does not have to be there to sign. You are not committing fraud because you are getting what you are entitled to 50 % which your portion of the community property. This law is located in the Texas Penal Code. Not only is the bank going against CFPB but the TEXAS PENAL CODE. You are NOT forging his name either you both are married and that means ONE. Verifiable : Screenshot of CFPB bank regulations.
Product: Mortgage

This company during a phone conversation asked me for personal information like birthdate and Social Security Number. What is unethical is that I was told by the mortgage representative we were speaking on a secured line. I am a XXXX XXXX XXXX XXXX XXXX ( XXXX ) and the phone line is NOT secured. This practice is performed by many financial institutions and they really need to adopt a hybrid approach of getting the information. Like having the applicant go to a secure online site to provide the requested PII. This practice of telling people they are talking on a secured line is one of the reasons people have their identities stolen. Please, please change this horrible practice.
Product: Student loan

I over paid my loans and finally they were applied to my other outstanding loans however everything is completely paid off but now I have negative balances on my account that I would like refunded to the account I paid from. I have tried calling and emailing edfinancial but it is really hard to get a hold of them. In summary, the loans are paid in full but I have negative balances due to overpayments.
Product: Student loan

On Thursday, XXXX XXXX at approximately XXXX a XXXX XXXX XXXX received a second phone call from Navient XXXX XXXX. The first inquiry the person asked was if he knew a XXXX XXXX but did not identify themselves. After XXXX XXXX requested who it was the identified themselves as Navient. At this time, XXXX XXXX asked how they found his number and they eluded they used a software to find his number and noticed they may be related to XXXX XXXX. 

This is the second time they have contacted ( third party ) XXXX XXXX XXXX for a debt in regards to XXXX XXXX.
Product: Student loan

I believe there is something fraudulent occurring with my loans. I have been paying more than minimum payments on my XXXX {$5000.00} loans for 6 years and my principal has only decreased by {$900.00} for each loan. This can not possibly be correct. I have never been late and have not had any other fees assessed. When I asked they said that I would have to contact someone else and then I was disconnected prior to transfer.
Product: Student loan

I have 4 Private loans with Navient from the XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Loans via XXXX XXXX. Navient provided me with an application to have my private loans discharged. I submitted the application and it was denied. I submitted again with additional information and it was denied. I asked both times for a specific reason and they have not provided one. They only say it was " denied ''. I believe I have a right to know how this could possibly be denied? 
I have been paying these loans for 15 years now and have paid off -52 % -- yes NEGATIVE!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days. 
DP OF EDUC XXXX Balance : {$27000.00}, DP OF EDUC XXXX Balance : {$17000.00}, DP OF EDUC XXXX Balance : {$31000.00}, DP OF EDUC XXXX Balance : {$32000.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$23000.00}, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On    XXXX   XXXX   XXXX  ,  I took out a student loan with  XXXX . In  XXXX   XXXX ,  XXXX  reported it as delinquent and threatened to sue me. After a written request to cease harassing communication in  XXXX   XXXX ,  XXXX  did not communicate or attempt to collect the debt. On  XXXX / XXXX / XXXX , my credit report reflected the negative account as being due to drop of my report in  XXXX   XXXX . On  XXXX / XXXX / XXXX ,  XXXX  issued a  XXXX  With event code H for this loan. From on or abou  XXXX   XXXX   XXXX   until  XXXX   XXXX , I have had a  credit score in  the mid to upper  XXXX .     In  XXXX   XXXX ,  XXXX  assigned the loan to  XXXX   XXXX .  XXXX  refused to accept the loan. On or about  XXXX   XXXX ,  XXXX  sent the loan to a collection  Agency  called  XXXX   XXXX   XXXX . On or about  XXXX   XXXX ,  XXXX ,  XXXX  reported the debt as delinquent to the Credit Reporting Agencies showing that  XXXX  closed the account in  XXXX   XXXX , and that the delinquent report will not be removed until  XXXX .     From on or before  XXXX   XXXX ,  XXXX ,  XXXX  has failed to provide any means of communication re : student loans and referred all inquiries to  XXXX . On  XXXX / XXXX / XXXX ,  XXXX  denied accepting the loan,  XXXX   XXXX  denied unlawfully reporting the loan to the credit bureaus, and  XXXX  has failed to provide any method of contact to resolve the issue.     The debt is time barred and has never been revived under any section of law. The debt was to be removed from all credit reports no later than  XXXX   XXXX  under the law.     At this time,  one  or all  XXXX  companies appear to be in collusion to avoid liability for unlawful practices under the FCRA. One or all  XXXX  companies have failed to provide any means to dispute the unlawful negative report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER endeavor to tell XXXX CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 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: Checking or savings account

I had some charges that went through to my account and Wells was going to charge me an overdraft fee. So I had brought my account positive XX/XX/30 and was positive then XXXX was charged the fee still and they would not remove because I had them remove a fee last year in XXXX for the same thing and my account was in the positive. There was a pending transaction that they had posted conveniently XXXX which made my account negative but the charges was pending and brought the balance to a positive and was charged the fee still and thats what made my account got negative for the pending charges on XXXX. This is not right that they hold the charges and refuse to show the information for upcoming payments. You can see on the upload I had enough to cover the charges for XXXX but they had posted the overdraft fee and made me negative and the rep I spoke to just told me you need to do better math his name was XXXX XXXX
Product: Bank account or service

I deposited my refund check from the IRS. My bank, USAA, put an 8 day hold on it with no notice. I set up auto-payments for rent, bills, etc based on receiving my refund. Now all of my bills will bounce and I will incur NSF fees, despite having over {$1500.00} in that account. I now have a {$0.00} available balance, despite the money from the IRS being in my account. I have been a customer for over 17 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was reviewing my credit report and i realize i have those accounts ( MARINER FINANCE ) AMOUNT OF {$1800.00}, ( XXXX XXXX XXXX XXXX, i need an investigation to these accounts that it don't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I opened a XXXX Card AAdvantage Aviator Master Card, a promotional offer on an XXXX XXXX flight. I subsequently never used the card. On XXXX XXXX, XXXX I was advised the account has been closed due to delinquency. I contacted XXXX on XXXX XXXX, XXXX. A " representative '' researched the account, found the {$99.00} amount " due '' was only for an annual membership renewal and that I had never used the account. I stated I wanted the account closed, the membership fee credited and the derogatory delinquent status removed from the credit bureau reporting. The representative, after looking at my other XXXX XXXX Card long history and good-standing, stated that he would do precisely that. I was provided a case # XXXX. I have since found the derogatory status has reduced my FICO score from +800 to <700. 
I contacted XXXX today as I had previously requested to be copied on communications to the credit bureaus. The " representative '' today was much less helpful, unable to provide confirmation of anything ( other than confirmation of the case # ) and basically told me to file a claim with " FCRA ''. I do not feel that XXXX is cooperating in this matter in a timely nor professional, informative matter. I would like reassurance that the proper, agreed upon info is sent to the credit reporting agencies.
Product: Vehicle loan or lease

I called credit acceptance corporation, and told them that the vehicle was stolen XXXX times out of my apartment complex the third time I just let it stay at the impound lot and I called them to tell them to go pick it up from the impound lot. They said thats not their job and I am still responsible so the city of XXXX sold the vehicle, and theyre still reporting on my credit after three years credit acceptance corporation is very rude and unprofessional. I would not recommend them to empty body trying to buy a vehicle because they will screw you.
Product: Credit card or prepaid card

With Bank of America prepaid it's my EDD it's {$13000.00} I'll get a police reports victim of identity theft as well as three different police reports I've never received the card until last month and they keep in denying my claim it's over 3 years old I'm owed the money
Product: Credit reporting or other personal consumer reports

I have asked Equifax to please remove XXXX XXXX XXXX XXXX  unknown/unauthorized inquiries from my credit report. XXXX account belongs to my brother and Im only listed on the account just in case something happened to him, the the car would come to me. XXXX is my brother account and Im listed on there as a contact person, but its ruining my credit, and the XXXX XXXX that I never gave permission to run against my credit. Please remove these things immediately and provide an updated credit report.
Product: Debt collection

XXXX XXXX has reported that the account was not paid ... the time they are charging me I have already moved out of the rental house and they are charging me as if I was living on XXXX XXXX XXXX   nc XXXX
Product: Credit reporting or other personal consumer reports

I was absolutely shocked to see inaccurate accounts pop up on my credit report this morning with no explanation. I check my report routinely, and this has never happened before. I tried refreshing my browser, hoping it was just a mistake, but unfortunately, the errors persisted. I am asking that my documents be reviewed closely so that I can stop worrying about this once and for all.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2018 Complaint Department TransUnion XXXX. XXXX XXXX XXXX, CA XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. I have I have incorrect information on my credit report. my identity was stolen and somebody open credit card on my name at XXXX XXXX XXXX  I dispute on the attached copy of the police report, FTC identity theft report, court record, CFPB - Consumer Financial Protection Bureau complane, State of California Department of Justice complane. 
I am requesting that the item be removed the address : XXXX XXXX XXXX XXXX XXXX, CA XXXX ( Never lived there ) and phone numbers ( XXXX ) XXXX XXXX and ( XXXX ) XXXX its not my phone numbers! 

to correct the information. 
Enclosed are copies of my real address supporting my position. Please reinvestigate this. i attached copy of police and federal trade commission report!!! 
matter and delete the disputed item as soon as possible.
Product: Credit reporting

There are several items reported on my credit with Trans Union that are not mine. I was n't aware of the accounts being listed on there until I decided to review my credit report. I submitted a request to have them removed but this was not done she with no explanation as to why they were n't.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

In XXXX of 2023 I purchased a XXXX XXXX XXXX new and used TD Auto Finance as my lender. The lender and XXXX handled the process on the backend to ensure everything was set up properly. I was approved, paid my down deposit, and was good to go. I set up automatic recurring payments to my bank account to make sure I wouldn't miss a payment and created an account with TD Auto Finance to alert me if anything was amiss. In XXXX of 2023, one of my car payments bounced back. I was never alerted or contacted by TD Auto of this missed payment. No email, no phone calls, and no letters. In XXXX of 2023, I got an alert that my credit report was hit with a delinquent report with TD Auto. I immediately contacted TD Auto and was told that I had missed a payment and they tried to call me but got no answer. I immediately paid in full the amount that I owed. As it turns out, they had the XXXX number for XXXX on my file. I asked if they emailed or sent mail to me which they replied " we took every effort to contact you. '' When I checked my email, they never sent me a single email or letter even though both of those were correct on my file. I contacted their financial department to dispute this case. I included all of the above information and I got a reply from them 30 days later saying that they found nothing wrong and we're not going to change their decision. This is an outrageous abuse of my credit history and TD Auto Finance should do better.
Product: Credit card or prepaid card

I applied for a Sallie Mae Accelerate card in XXXX, XXXX and was approved immediately. I waited for the card to arrive and after a month I called because I hadnt received it so they sent another one. I received that one in XXXX. The card promised a {$200.00} reward if I spent {$1000.00} in the first three months after you open the account. I took that wording from the online ad that is still up. I started using the card in XXXX and by early in XXXX I had fulfilled the {$1000.00} commitment. Since The account had been opened in XXXX I figured XXXX would be three months from XXXX so I called the company to find out when I would receive the reward. I was told midXXXX. On XX/XX/XXXX I called again and was told I would get it at the close of my XXXX billing statement which was XX/XX/XXXX. On XX/XX/XXXX, the first day of my next billing cycle, I called again because I still hadnt been issued the reward. I was told at that point that I wouldnt get it until the end of the billing cycle in XXXX. I have a {$0.00} outstanding balance and I spent well over {$1000.00}. Their promise to reward a {$200.00} bonus was fraudulent and Im being scammed by this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to Covid -19 I asked my auto lender SANTANDER CONSUMER USA for a 2 month reprieve from monthly payments ( XXXX & XX/XX/2020 ) as I was just laid off. Payments were to begin XX/XX/2020. SANTANDER CONSUMER USA made the arrangements and stated to me that my account was on hold for the following 2 months. 

I recently had my credit pulled and noticed a late payment date of XX/XX/2020 for my SANTANDER CONSUMER USA loan. SANTANDER CONSUMER USA refuses to remove the incorrect late that they placed on all 3 of my credit bureau profiles.