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

Subject : Complaint Regarding XXXX Account Restriction and Lack of Resolution Details of the Issue : I am filing a formal complaint regarding XXXX handling of my account, which has been frozen without sufficient explanation or resolution. I have contacted XXXX multiple times today, yet I am repeatedly told the issue is under internal review and that no action can be taken at this moment. 

Key Issues : 1. Lack of Communication : XXXX has not provided any clear reason for the account restriction or a timeline for resolving the issue. Despite my proactive efforts to contact them and offer verification of my identity, I am repeatedly told that there is nothing they can do at this moment. 
2. Inefficiency in XXXX the XXXX : It does not make sense that XXXX can not resolve this matter promptly, especially when the account owner ( myself ) is calling and ready to verify any necessary information. If XXXX had an issue with the account, I should have been contacted immediately, rather than being left to chase answers. 
3. Failure to Prioritize Customer Access to Funds : As this is my money, XXXX has an obligation to address the matter urgently. Their process of leaving the account frozen with no resolution is frustrating and unprofessional.
Product: Vehicle loan or lease

With {$2000.00} down payment ( {$10000.00} purchase price ). I was told the loan would only be granted if the extended warranty was purchased ( ~ $ 1,700+ ). Which also meant I now needed GAP due to high interest. 

With high pressure tactics and my loan paperwork stating this was optional I was forced into payments I couldn't afford with the high interest. Later to have it repossessed & sued for entire loan + interest had loan carried full term ( almost {$20000.00} total )
Product: Credit card

Attempting to make large online payment towards account balance. Received notice that the amounty I may pay online is not allowed. There is no option to pay entire balance.
Product: Mortgage

I am disputing comments/remarks posted on my XXXX Bureau Credit Reports. The negative comments include a foreclosure which should be permanently removed. I have attached the Case XXXX, Attorneys, Parties, Deadlines/Hearings and Docket Entries. I have also included the settlement agreement and release from property XXXX XXXX XXXX, XXXX, Texas,XXXX. According to the Scheduling Order dated XXXX XXXX, XXXX, this case was settled and closed. There was never a foreclosure, however, the loan was transferred to XXXX XXXX XXXX XXXX dated XXXX XXXX after an agreed settlement. According to the Federal Court Scheduling Order dated XXXX XXXX, XXXX, this case was Settled by the Bank of America NA, myself, and XXXX XXXX XXXX XXXX XXXX XXXX. As part of the settlement, I entered into a Cooperative Program offered by the Department of Treasury & Housing Urban Development Agency called ( Cash for Keys ). This agreement with the court entitled me to forego foreclosure proceedings, avoid eviction, and my house not being sold at a public auction. Based upon the settlement agreement I was awarded {$10000.00} and I qualified for financial assistance to help with my relocation costs. Finally, agreeing to the settlement, Bank of America was required to report that my loan was paid in full for less than the full balance. Bank of America sold this home on XXXX XXXX, XXXX, file number XXXX, loan number XXXX. XXXX XXXX XXXX XXXX sent me a XXXX and removed the remarks on XXXX XXXX, XXXX, stating this account was charged off repossessed. XXXX XXXX, XXXX, Bank of America placed a FORECLOSURE on my credit report. Finally, XXXX XXXX, XXXX, this case Ordered by the Federal District Court for the XXXX District of Texas, XXXX, be dismissed with prejudice. " THERE WAS NEVER A FORECLOSURE AND IT SHOULD BE REMOVED FROM ALL MY CREDIT REPORTING RECORDS.
Product: Mortgage

I sent several negotiable instruments to Chase to satisfy the debt in question. According to the UCC 3-104A, this is what constitutes a negotiable instrument : A negotiable instrument is a signed, writing that states an unconditional promise or order, to pay a fixed amount of money, to order or bearer, on demand or at a definite time, and contains no other undertaking or instruction other than those allowed by the code. 

I hope to show that I satisfied this code by the submission of my attachments.
Product: Mortgage

On XX/XX/XXXX, I sent via registered mail stamped and endorsed negotiable instruments that were properly endorsed on both the front and back, which also included a canceled-out stamp following the correct bankers acceptance format. As the Principal Creditor, Authorized Representative, and Trustee of the U.S. TRUST, I exercise my lawful rights under U.C.C. 1-103 and 1-104, Public Law Chapter 48, 48 Stat. 112, Public Law 73-10, Title 31 U.S.C., 5118, House Joint Resolution ( HJR ) 192 of XX/XX/XXXX, the Emergency Banking Act of XX/XX/XXXX, and related Supreme Court rulings . My actions are protected under the U.S. Constitution and statutory law, including the right to settle and discharge public debts using private credit instruments. Any attempt to infringe upon these rights will be met with appropriate legal action, including claims for damages and other remedies available under law. The registered security was sent to Trustee XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Florida XXXX, the address listed on their 10k. I included an instruction letter along with the registered security. 

I have given XXXX XXXX more than enough time to follow the instructions in the letter and discharge my mortgage debt. I have not heard anything from him, nor have I received the original registered stamped security back via registered mail.
Product: Debt collection

I sent commonwealth financial a debt validation in the mail and fax on XX/XX/2015, its been over 30 days, they never responded with doscumentation of account, thats a violation of fcra and fdcpa i want it deleted from my XXXX credit file right away.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX  XXXX Account Number : XXXX Inquiry XXXX/XXXX  XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Also note I want Equifax to remove all hard inquiries from my report and all charge off collections! They are violating my rights according to 15 U.S.C 1681 section 604 A section 2
Product: Checking or savings account

on or about XX/XX/2019 I opened a checking account with USAA bank account ending XXXX and issued a ATM card ending XXXX. I was unable to activate the ATM card or use the checking account in anyway. I used a electronic check to open the account in the amount of XXXX from my checking account with XXXX XXXX which paid check on XX/XX/19. USAA tried to connect the two accounts which I refused twice and then I was later told that my new account with USAA was blocked and I had no access to it or my deposit. I was told that USAA no longer wanted to do business with me and account was under review. I told USAA I felt the same way and thought that they were crooks and not a bank only wishing to sell be there insurance products and control my funds thru a central location and fleece my funds with there products and services. I told them I wanted funds returned and their scam account closed. I was promised a refund within two weeks which never happened and still haven`t received my funds over 40 days later or information when I would receive my money. I`ve been robbed by USAA for not being stupid and had to change my account info on my XXXX XXXX to protect myself.
Product: Debt collection

Repeated calling more than once a day. I remind collector the same thing each day called and even explained options available. I have requested not to be contacted at such frequencies due always the calls are at working hours. Creditors are also calling family members. Some operators have even escalated tone of voice.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, Experian received my dispute for an inaccurate account reporting on my credit, The Company XXXX XXXX is reporting on my profile, and I have no knowledge of this account, I sent Experian a completed FTC report and a dispute letter that I have uploaded with this complaint asking for account verification that I never recieved. This will be my second attempt asking them to comply with the Fair Credit Reporting act section 609 ( a ) ( 1 ) ( A ) providing me with physical verification of the Original signed consumer contract, which they have failed to provide. I am demanding that Experian remove XXXX XXXX From my credit report ASAP due to them not responding within a reasonable amount of time. Also the other two credit bureaus reflect that this account is not mine due the fact XXXX and XXXX are not reporting this account whatsoever.
Product: Debt collection

In XXXX of XXXX I took out a loan from XXXX XXXX. It was extremely high interest, so the payments were expensive. I ended up not being able to completely pay it off, and the payment were returned by my bank, so it wrote off to collections in XXXX. They sold the debt to XXXX XXXX XXXX, and they reported it correctly. Fast forward to XXXX and I applied for a personal loan to build my credit and the creditor asked me about this " new delinquency ''. I know that I don't have any new delinquencies, so I thought it must be a mistake. I pulled my credit report and saw that it was now sold to NCA or National Credit Adjuster and they are falsely reporting that I took out a loan in XX/XX/XXXX and made no payments, and it wrote off in XX/XX/XXXX. This is a huge violation of my rights and their lies have now hurt my credit. I filed a dispute with XXXX and it came back as no change, it said the company showed proof of these dates?? So they're falsifying documents or something. I signed an agreement in XXXX and haven't since then. I am attaching the statement of the loan taken out and the return notice from the bank to show the dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached docs I am writing to request the immediate deletion of this information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with civil/federal court proceedings such as Dixon-Rollins v. Experian Information Solutions
Product: Checking or savings account

I woke up morning of XX/XX/2018. Noticed in email format I have a pending transaction of {$1000.00} pending. It was all in spanish as well as all further contact through paypal until I switched it over in settings back to english. I called XXXX and bank explained situation. Bank put a freeze on all XXXX transactions and XXXX has an activity freeze in place. UPDATE : After speaking with my bank. ( US BANK ) on XX/XX/XXXX, I was reinsured that the XXXX transaction would not go through, it wasn't even on their radar. Monday morning, XXXX, XXXX, 2018 US bank allowed the transaction to go through and charged me insufficient fees. It is now showing my US Bank account as - {$1000.00} insufficient funds. I did everything I was supposed to do but it appears the financial institutions did nothing to guard me or help prevent this. I'm in the middle of sorting it all out, I just want it on record with you. I have a letter stating that US bank confirms a stop payment on XX/XX/18. When I spoke to the fraud department of US Bank XXXX told me ( Tues XXXX XXXX that even though I called first thing on XX/XX/XXXX they disny stop the payment because it takes 3 working days. I have a letter dating XX/XX/XXXX stating different. letter states it has be placed on stop payment. I do not want to pay any XXXX or Us Bank fees do to their incompitance and lack of urgency. Please, any help on this matter would be greatly appreciated. Sincerely, XXXX XXXX
Product: Student loan

In early XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX who currently had my student loan that they were closing and that someone in the near future would be contacting me about my XXXX 's student loans. I had been trying to make a payment online like I usually did for months previously but the XXXX XXXX website would not go to payment page. I called and kept getting an automated response. So it made sense to me that the company closed or went under, it was not completed stated in the letter. About 3-4 months ago, now in mid XX/XX/XXXX, I began getting calls from a debt collector service, stating my student loan was in severe default and I was in collections. I checked my credit report and it stated I didn't make any payments and was severely late. I explained the events to the creditor and asked for official documents of the new lender. I even made a {$500.00} payment over the phone but no official documents were sent to me as requested. So I called and asked again after 2 weeks of no documents mailed, they said again they would mail it to me, another 2 weeks went by and they began calling me for more payments. I explained again I did not receive any documentation from a new lender. I reported the payment on my credit card as fraudulent as l had no documentation of a new lender or what was going on with loan. My credit card investigated, refunded me the {$500.00} and they didnt even send my credit card company the appropriate paperwork to dispute it. I was starting to think this was some type of scam. I was finally given an contact number for the supposed lender, financial group XXXX in NY. I called them a month ago 3x requesting official documentation or promissary note of my loan proving they owned it. Not a single paper of evidence or official document has been sent to my home. I have asked for it to be emailed and they refuse. This debt is showing very poorly on my credit and I can't even make a payment to anyone who has proof they own my loan now. I have no clue what to do at this point. Please help
Product: Mortgage

I am trying to work with Carrington Mortgage to refinance my house due to my recent divorce. I started the loan process a couple weeks before my divorce. The took my information including phone number and email address. The mortgage company set up my refinance loan under my name and sent all the documents to my ex-wife 's email address and phone number. I have asked my loan officer 5 times to change my email to the correct email. To this day this has not been changed. We are legally separated now and they are sending important documents to the wrong person. I was also notified by Carrington that they have a Loan assumption program for the USDA loan. That is what my current loan is. They advised me to send a fax requesting the " package '' to be sent to me. That was two weeks ago and I have not heard or received anything. I then asked my loan officer about it and she informed me that they do n't have that option. I looked online and USDA does offer that package between myself and the lender. They are currently my lender so I should be able to assume the loan. They are also asking for an appraisal after I just had one done less than a month ago and submitted it to them. To top it all off I have called the business on many occasions asking for a call back and have not once received a call back in regards to my questions. I have a deadline to refinance by XXXX XXXX according to my divorce decree. I am afraid that timeframe will not be met based on the interactions I have had with this company. Between the lies, lack of communication or no communication for that matter I am getting frustrated with the process and do n't want to lose my home based on their performance.
Product: Checking or savings account

I bank with Chase, my XXXX gave me a check for {$100.00} to go toward my wedding. I deposited with mobile deposit on the app, on XX/XX/19 they said my account is restricted, I called and they said they need the check verified, so they try to call my grandma to verify, her house phone is no longer working she has her cell phone. but Chase won't call her cell since it's not the phone number on the check. my grandma then tried to call her bank - neighbors, to get them to void the check so my account could then get unrestricted but her bank says the account cleared. i've called chase 5 times in the last 2 days and my grandma tried to call chase to explain... now chase is saying without it verified, there going to close my account and neither myself or my grandma will get the {$100.00} that is on the check. that it will stay with them.
Product: Credit reporting or other personal consumer reports

The presence of this account has caused me XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Product: Credit reporting

I mailed a  Multiple Inquiry Removal Letter  by mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. As soon as they received the letter The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According  to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be i nvestigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my c letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Mortgage

The company is consistently blocking me from making payments online. I applied for a forbearance under the Cares Act and brought my loan back current back in XX/XX/2021. Yet the company has a payment block on my loan after I've made multiple requests to have to black removed. I'm not in default nor have I ever been late with payments. The company also denied my requests for loss mitigation efforts and told me I did not qualify. Yet, they never provided documentation nor asked for documentation. I was merely told underwriting did not approve my request.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments Account XXXX : XXXX that are reported on my credit file maintained by Equifax XXXX I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : XXXX. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
XXXX. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
XXXX. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the XXXX 's requirements.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. I contacted the credit bureaus to notify them that my identity was stolen and forwarded them my identity theft report as well as a list of fraudulent account and personal verifying documents and they failed to make any corrections to my credit report. I have no knowledge of these accounts and I believe I was hacked. I really need this misinformation to be removed from my credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Without having an account at these two credit unions, XXXX and XXXX, going by what they told me over the phone when I called them, they have either removed my entire address history except for the address, I live at now, and even moved all of the mispellings of my name, but Experian refuses to remove the incorrect spellings of my name, and I have tried at least twice to get them to do that, and there has been enough time passed that should have been shown when I would login and go check! And my Lookout app, which monitors my entire situation on my phone here, has those incorrect informations, including the wrong addresses in it, but they demand that I have to go through this effort or more before they will remove the alert, though it is me, that would have to mark it all as, safe, but Im not going to mark it as safe when there is wrong information on there, obviously!
Product: Credit reporting or other personal consumer reports

A notice was sent to transunion last year as attached that the report must be removed from my credit. I now have a letter from XXXX XXXX and also a deletion from XXXX  attached below to show that this has been confirmed to be removed.
Product: Credit card or prepaid card

I have a discover credit card and on XX/XX/XXXX I send a payment of XXXX to pay a balance that was due ( XXXX ) in XX/XX/XXXX because after that date is going to increase the interest from 0 % to 24 % .I call them and explained the way that I want to apply my payment.They received my payment on XX/XX/XXXX and They didnt apply it and after XXXX XXXXThey are charging me XXXX dollar a month on interest for that amount ( XXXX ), I call them in the begging of XXXX and explained everything and They told me that I dont have any decision the way that payment is applied, that They decide it. 
I feel They are using a excuse to rip me off with the interest. Can you please help me