23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has, through gross negligence, leaked the entirely of my credit reporting agency file they maintained ( as indicated by www.equifaxsecurity2017.com when entering my personal identifying information ). 

" According to Equifax, the breach lasted from mid-XX/XX/XXXX through XX/XX/XXXX.  The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. And they grabbed personal information of people in the XXXX and XXXX too. '' [ 1 ] They have failed to apply the most basic security measures to protect this data, based on congressional testimony provided by Equifax 's then-CEO [ 2 ]. 

[ 1 ] https : //www.consumer.ftc.gov/XXXX [ 2 ] XXXX XXXX XXXX
Product: Checking or savings account

Robinhood has locked my account without providing any reason, leaving me unable to access or use my funds. I am also unable to withdraw the funds back to the original payment method from which the money was deposited. Despite my attempts to resolve this issue, I have received no assistance or explanation for the account lock.
Product: Checking or savings account

{$800.00} was fraudulent stolen form my bank account while on the phone I got laughed at and told I wasnt getting my money back
Product: Checking or savings account

CK ( Credit Karma ) is adverting a sweepstakes ( ). According to the Sweepstakes Rules ( https : //www.creditkarma.com/lp/50ksweepstakesrules/ ) 1 ) you can not have an existing ( " CURRENT OR PREVIOUS CREDIT KARMA SAVINGS ACCOUNT HOLDERS ARE NOT ELIGIBLE. '' ) CK Savings Account and be eligible and you must 2 ) open it IN/USING CK Tax ( " ( iii ) using the Credit Karma Tax   product to open a Credit Karma Savings bank account '' ). I can not find any place IN CK tax to open a CK Savings Account. I have contacted CK 's XXXX Team, used the Chat feature in CK Tax and contracted CK support multiple times inquiring how to open a CK Savings Account USING CK Tax - they have only sent me information about CK Savings Account and instructions/links to instructions on how to open a CK Savings Account NOT USING CK Tax product ( via the general CK website/dashboard - not in the tax product ).

CK is advertising a sweepstakes to get people to open CK Savings Accounts. I do not see a way ( believe there is a way ) to open a CK Savings Account as per the written terms and conditions of the sweepstakes ( using the CK Tax product ). CK Support is unable or unwilling to state that the terms are incorrect ( e.g. that the account should be opened outside CK Tax ) - which is unacceptable for a financial services provider - OR provide instructions on how to meet the terms and conditions of the sweepstakes ( open a CK Savings Account USING CK Tax product ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I have one late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX  [ # XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Mortgage

I have a mortgage with this company. The mortgage closed in XX/XX/XXXX. The complaint is in regards to MIP ( Mortgage Insurance Premium ). The mortgage insurance premium was supposed to be when the loan reached a loan to value ration of 78 % or lower and 60 months of consecutive on-time payments have been met. I have met both of these criteria. The previous mortgage company that sold my mortgage to Home Point said I met the loan to value criteria. And that MIP would be removed on the XX/XX/XXXXbill. The value and original loan amount was for $ XXXX. I currently owe {$160000.00}. Which makes loan to value at 73 %, which is also what XXXX  told me.

Well on XX/XX/XXXXand XX/XX/XXXX I am still getting charged the MIP of {$180.00} a month. I've paid this for 2 months when I should not have. I believe I will continue to pay this because Home Point is not responding to my questions or emails. The previous communications with XXXX   were not copied over to Home Point Financial online portal when Home Point bought my mortgage from XXXX.

I've sent the mortgage company multiple questions via their website. Attached is the latest communications that show they have not answered my question. I called Home Point a month ago asking about this. Had to wait 30 minutes to talk to someone. When I was finally connected to someone they were unable to help me. But said they would have someone call me in a couple days. Well they never called me. The person I spoke to also said if I mailed a letter to Home Point asking them to remove the MIP, they said they would remove the MIP. I mailed them a letter. They never responded to the letter either. The MIP is still on our account.

Ive also tried to contact them via their portal. See attached.

Home Point did not follow through on their commitment to remove MIP, did not call me like they said they would, and they did not respond to my letter like they said they would.

I would like some assistance with the company meeting their commitments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$11000.00} ; XXXX XXXX XXXX : {$5900.00} ; XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$490.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00} 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  ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

Hi I opened a BUSINESS VALUE XXXX account on XX/XX/2018. The account was opened with promo code XXXX which is for {$300.00}. I am having difficulty with online customer service in confirming that the account is coded correctly and as to when the bonus will post.
Product: Credit reporting

Since XXXX XXXX, 2016 I been contacting Transunion about removing inquiries on my credit report that have resulted from Identity theft. I have contacted them on the phone multiple times and provided them with my identity theft report Filed on XXXX XXXX, 2016 but they have refused to remove the fraudulent inquiries. 
Agencies must block identity-theft-related information. FACTA adds a new section, XXXX, to the FCRA that requires agencies to block identity-theft related information within 4 days of receiving specified information : proof of the consumer 's identity, a copy of an identity theft report, the consumer 's identification of the fraudulent information, and the consumer 's statement that the information does not relate to any transaction by the consumer. The agency must also notify the furnisher of the block, and Furnishers must implement procedures to prevent them from re-furnishing such information ( to anyone, apparently, not just the notifying agency ). 

XXXX and XXXX have removed the inquiries already and Transunion is the only bureau who has not. These practices by Transunion are violations of the FACTA Act regarding identity theft and I will be pursuing legal action if these fraudulent inquiries are not removed immediately.
Product: Credit card

As I told you in my first complain, I had to make a payment of over {$2000.00}, which usually goes out automatically from my account this time I did not want it to go from the regular account so I gave them a different account number and the routing number, where to take the money out from They did not listen to me they tried to take it out from the regular account so the money was not there so it bounced. They charged me for bouncing it and now instead of fixing the promise they going to fix it they are charging me interest on top of it I dont think its right they know that they made a mistake And they should not charge me anything for it. I want my charges and interest returned to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiries currently listed and showing on my Trans Union, XXXX and XXXX credit report are the result of identity theft : 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: Debt collection

On XX/XX/2023 I asked XXXX XXXX XXXX to please provide me with validation notice with all original documents with my Wet signature which to date I never recieved. 
On XX/XX/2023 I asked XXXX XXXX XXXX to please cease and desist all calls and contact with me XXXX XXXX for I don't confirm or acknowledge this debt for which to date they continue to call, text and email my self and family members using treating language. 
Also on XX/XX/2023 the balance owed showed {$3200.00} and on XX/XX/2023 the balance showes {$4500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that the companies efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The companies are reporting inaccurate information. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 
XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have tried to get my credit good for a long time Equifax XXXX have things on my credit that I've tried to dispute I submit information and they refuse to look at it or do anything they or the people have inaccurate information like a car that was paid off by the dealership XXXX was the credit union that I got the original one from then I got a different vehicle and traded the other one in it was paid off but I was unaware that it was showing on my credit report that it had never been paid off I have the proof that receipt of the check from the dealership then my child support shows it was taken off my credit because it was paid off then it was put back on my credit like none of it makes any sense I've had my kids in my custody for the past 10 years and it makes it very difficult to to live when everything is based on credit when a basic everyday person can't even get housing or a car loan because all these discrepancies are on your credit report and there's nothing you can do because you're just sent in circles
Product: Student loan

I submitted an IDR renewal application to Navient on XX/XX/XXXX. I received an email from Navient on XX/XX/XXXX confirming that my renewal application had been approved. I believed that the issue was resolved at that point, but I received an email from Navient on XX/XX/XXXX stating that I had not submitted an IDR renewal application, and that my payment would be raised. I called Navient on XX/XX/XXXX, and spoke with " XXXX, '' who gave his employee identification number as XXXX. He told me that it appeared that the application had only been processed for part of my loan. He told me that he put in a request to the department responsible for processing the IDR requests, and that it would respond by XX/XX/XXXX. I'm going to either have to request a forbearance, or pay the higher amount. Either way, it costs me more money. This exact situation already occurred last year, and I ended up having to call three times after reaching this point in the process, before the third customer service representative finally took some sort of action that got results. They offer no sort of ticket number to follow up on their customer service problems, so each time I call, I have to start from the beginning with a new person. I have lost patience with Navient 's sloppy work, and I'm tired of having to jump through hoops to get them to fix their own mistakes.
Product: Mortgage

I have taken reasonable steps that have been above and beyond the typical request that a consumer would need to make to obtain very basic information from Wells Fargo Bank N.A. 

However, the history of my CFPB complaints will show that all of my inquiries and testaments are consistent. However, it should be extremely visible to the CFPB and other regulators that Wells Fargo Bank has committed Fraud and a Breach of Contract in its duties to protect / preserve the Mortgage Note to my home. 

As a former Investor on my home loan, XXXX XXXX has been very forthcoming with its recollection of my account. Executives at XXXX XXXX have also been able to shed some light on their relationship standing on my loan, as the Trustee for XXXX XXXX. 

Wells Fargo Bank is the Bad Apple of the bunch. 

Wells Fargo has performed unlawfully and unethically in its duties to service my home loan. It does not care about its Investors or its Certificate Holders / Shareholders. 

I urge the CFPB to submit the following to the agencies that I have identified below to revoke the Servicing License for Wells Fargo : To XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXX XXXX at XXXX PM Greetings, I am reporting Fraudulent Loan Servicing and Foreclosure practices by Wells Fargo Bank XXXX ID XXXX. 


My records may be reviewed online via the Consumer Financial Protection Bureau website and via recorded documents within the XXXX XXXX, PA XXXX of Common Pleas. 

The information within the resources shown above reflect massive Loan Servicing Fraud. 

Wells Fargo 's XXXX XXXX # XXXX ID XXXX should be suspended and ultimately revoked based on its fraudulent handling of my home loan. Recorded documents reflect dishonesty and securities fraud. My loan was securitized in XXXX, and Wells Fargo sold my loan again in XXXX XXXX, and then again in XXXX. 

This is worse than Wells Fargo 's opening of thousands of bank accounts without a customer 's consent. 

The actions in my case are likely to be widespread among its servicing accounts, and if it 's true, we could face similar risks to the events that occurred in XXXX that toppled the housing industry. 

Prior to reaching out to regulators, I made many earnest attempts to resolve this with my loan servicer ( Wells Fargo XXXX ID XXXX ). 

I have spoken with several managers in Wells Fargo 's Office of the President who were very uncooperative. 

I recently spoke with XXXX XXXX and XXXX XXXX -- employees in Wells Fargo 's Office of the President. 

Today, I advised XXXX XXXX a Manager in Wells Fargo 's Office of the President of these fraudulent actions, however, she was rather nasty and inconsiderate. 

I also mentioned to her that she has the responsibility to resolve my concerns promptly or to expect me to reach out to regulators and Wells Fargo shareholders. 

She did n't care! 


After reviewing the level of fraud in my case, penalties and greater enforcement against licensee # XXXX ID XXXX should be warranted. 

Thanks, XXXX XXXX
Product: Checking or savings account

I depsoited over 8700 in an HSBC account over 7 months ago and they have refused to turn over the funds until i served them with a lawsuit. I have asked for my costs for my attorney and my funds be returned to me they are only offering my deposited funds which they only did after i filed suit. They have hired a huge law firm XXXX which cost more than the money in question. I am seeking tohave my lawyer costs and court costs plus the deloisted money returned back to me. this is an awful bank and i am sure i am not the only one they did this to. They did nto even provide me with statements or any explanation written or otherwise. i called them in excess of 100 times. Can you help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting three of my student loans late on all three of the Major Credit reporting companies. The Cares Act of 2020 has placed all Student Loans in Forbearance. XXXX  Refuses to rectify the situation my student loans should not be reporting late. 

XXXX has a history of not following proper procedures and has also been sued numerous times.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attachments! 
Inaccuracies and unverified information on my consumer report has caused me to lose faith in the banking system!
Product: Credit card

My complaint is against American Express, specifically relating to a refund owed to me for an unused portion of an annual fee. 

Briefly, Amex charged my Business Platinum account ending in XXXX an annual fee of {$690.00} on XX/XX/XXXX. This account was later closed on XX/XX/XXXX, a personal account ending in XXXX having been opened weeks prior. I was assured that accumulated miles would be transferred from the closed business account to the new personal account ( they have been ) and that I would receive a refund of the unused portion of the Business Platinum annual fee -- I have not. 

I had telephone communication with XXXX representatives of Amex on XX/XX/XXXX. Amex claims a policy that in essence places a burden on the credit card holder to notify them within 30 days that the credit was not received. This, of course, is not possible as one needs to await a full cycle ( or XXXX ) of credit card billings before one can know for certain that the credit has not been applied. 
I believe that I am owed the unused portion of the charged annual fee.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX XXXXnd all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( XXXX  XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

I had unauthorized charges from XXXX from XX/XX/XXXX until XX/XX/XXXX and when I spoke to Regions account representatives, they stated that they will issue the refund and directed me to go to a branch. I went to the branch and the manager didn't even know how to process the dispute and finally figured it out and about 2 weeks later I received a letter stating that my claim was denied after further review.
Product: Credit reporting or other personal consumer reports

I am filing this complaint with Consumer Financial Protection Bureau to report my recent experience of Financial Abuse with " GM FINANCIAL ''. First and forest, I am a victim of financial abuse, which has reflected on my credit report within the last couple of months. I am filling this complaint to report GM Financial for fraudulently processing my credit report over 8 attempts within the last three months. GM Financial has processed my credit report eight times on the same day and on different occasions, which resulted in this issue. This company has abused my credit report and continues to process my information without my authorization and consent. As a victim of financial abuse, I had no choice to place a freeze/ fraud alert on my credit report with all credit bureaus. My accounts with XXXX and XXXX Credit Bureaus are currently being investigated due to this unauthorized activity in such a short amount of time. I have reported this matter to GM Financial several times over the phone to the finance supervisor XXXX XXXX and XXXX XXXX. I have not received any documentation or information on this matter from GM Financial. I have spent weeks and days attempting to resolve this matter and there seems to be no response from this company. I am seeking a resolution to recovery my credit report. I have listed below the dates that this company has abused and processed my information without my consent. 

GM FINANCIAL : XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023
Product: Credit reporting or other personal consumer reports

I stated pay to Midland Credit Management and they never reported my payment to XXXX XXXX XXXX. I call XXXX XXXX XXXX and they dont have any information. But MCM keep sending me collections {$660.00}
Product: Vehicle loan or lease

I have not paid off the loan, thats just the best option for my scenario. I have been trying for 2 months to register my car. I bought it in XXXX  ( as I am a XXXX XXXX on assignment ). I live in XXXX  so I needed to register it in XXXX. The bank has been telling me for two months that they will send the title and they have not. I got a 30 day extension for temporary tags from XXXX, but unfortunately the bank has still not sent it. XXXX on XXXX I was given a XXXX  number stating that it would arrive XXXX. They never sent it. Since then Ive planned a whole other trip back to XXXX  with promises that the title will arrive while Im here ( put me out time and money ). XXXX  I called to verify that it had been sent and they said no, that it never got signed and taken care of like I was promised. Then I call back today to make sure its been sent and they say they have to find the title again. Its put me out two times now. And I now will have to drive back with my car not registered. Not sure what Im going to do at this point. They dont follow through when they say they will email me paperwork. They dont follow through when they say they will call me back. Ive been in tears multiple times on the phone because of how many times they have XXXX  me over.