23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I lost my job several months ago, and have spent the last few months securing new employment and rebuilding my financial life. As part of this, I reached out to Citizens Bank for assistance with my mortgage as I have been unable to pay. I will be able to pay within the next few months as my finances balance out with my new employment. Citizens referred me to the XXXX XXXX XXXX web portal to submit my paperwork. My wife and I submitted everything, but were told we needed additional pay stubs ( along with my unemployment ). We uploaded these documents on XX/XX/2022. On XX/XX/2022 - I received a phone call from Citizens that they had not yet received the requested documents and were going to close my file for assistance if they were not received before the end of the week. I promised to have the documents emailed to them ( to an email address they provided me ) within the hour. As promised- all documents were sent. On XX/XX/2022, I received notification that my request was closed. We called Citizens Bank and were told that it sometimes takes 2-3 business days to receive the documents, but they would re-open my case when they received them internally. On XX/XX/2022 - I called to follow-up and was told they still had not reviewed the documents. They noted that my Relationship Manager would be given a note to call me, even though the relationship managers were typically not allowed to speak to their clients. Today, XX/XX/2022, I still have not received a call from the relationship manager, and my wife was told that Citizens Bank does not have any record of the conversations we have had, and that we will need to start the process over again since we failed to follow their instructions. I faxed the " missing '' documents to the fax number they provided today, however, my wife was told we would need to re-submit everything.
Product: Credit reporting or other personal consumer reports

ON XX/XX/XXXX Experian, Credit COMPANY allowed someone to pull my credit report without my consent. I contacted Experian Credit bureau about the fraudulent activity, which was not made by me at the time of the hard inquiry. My credit account was frozen someone then unfroze my account, and was able to create an hard inquiry on my account XXXX on XX/XX/XXXX remove the hard inquiry from my account as a result of this fraudulent activity from the hard inquiry. It caused my credit score to drop from exceptional credit to very good credit. I have maintained my credit report and high standards to appear to lenders as exceptional credit. Now my credit is not exceptional any more due to fraud. I am asking experian to please give me back the XXXX points they took from my credit report. This is not fair and I am asking. Experian to make this right on their behalf of the company Experian
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.

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.

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.

Section 609 of the FCRA and requests that the credit bureau verify an item in your credit report. In this letter, you ask a credit bureau to verify information, and if that information can not be verified, it must be removed. 

THE FOLLOWING ACCOUNTS NEED TK BE REMOVED ALSO EXPERIAN HAS NOT UPDATED MY CREDIT SCORE AND REPORT NOR COLLECTIONS XXXX AND XXXX HAS UPDATED MY CREDIT SUCCESSFULLY BUT NOT EXPERIAN. 


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  Account status : CLOSED EXPERIAN HAS ALL OF THESE ACCOUNTS INCORRECTLY LISTED ON MY REPORT AND ALSO HASNT UPDATED MY XXXX AND XXXX SCORES ALSO EXPERIAN IS OUTDATED AND DOSENT HAVE THE PROPER INFORMATION
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS IS NOT MINEEEEE. 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX I NOT AUTHORIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled a report from Transunion in XXXX and I though I was being charged a one-time fee. Instead Transunion sneakily enrolled me in a subscription, of which I had no idea or memory of signing up for. Transunion does not send monthly emails when a payment is made. No receipts, no notification, that I was being charged every month. If you log into their account, there is no clear indication that you've signed up for a subscription. I looked through these options, 'My profile, ' 'my account, ' 'Payments, ' 'billings. ' None of these options have so much as a note about me being subscribed to their services. If the information is nestled somewhere that is not obviously available to the customer, it is a clear indication that the company is trying to trick you into paying for something they did not completely inform you of. 

Every company I have a subscription with, will send me an email notifications every month when you are charged for the subscription. Transunion does not. Nothing on my account page with this company, tells me that I have a subscription. Where is this information and why is it not easy to find it? What is the reason that Transunion is making this information so hard to find? This is an unscrupulous tactic to dupe poor consumers. 

Really Transunions? You have all the big banks in the country paying you money for your services and you want to cheat poor people out of a monthly charge. THIS IS XXXX. 

They also don't have a complaints department. When I talked to the customer service agent on the phone, she told me they don't have any such services where I can lodge my grievance. How is that possible? FOR A COMPANY THAT DEALS WITH PEOPLE 's MOST SENSITIVE INFORMATION, YOU ARE EXTREMELY deceitful! I want my money back. This is absolutely wrong.
Product: Debt collection

LendingPoint reported to the CRAs PAID. XXXX NEVER LATE. Report included. 
XXXX XXXX XXXX is committing FRAUD. I responded requesting the prove the debt with a valid contract with a wet signature. The delivery was made XX/XX/2024 tracking number XXXX. I disclosed the XXXX and XXXX certificates and fines. XXXX XXXX XXXX ignored this communication and is now liable for damages. XXXX XXXX XXXX is attempting to collect on PAID debt reflected on the CRA under LendingPoint LLC for {$16000.00}. Mail fraud will be reported attempting to extract energy from a consumer via the United States Postal Service is a crime. XXXX XXXX XXXX is now responsible for taking adverse action against a consumer it has no rights to. XXXX must Validate pay the fines listed in the communication it received XX/XX/2024. FTC please do something as your site forwards these complaints to CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNTS 1.  XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

In accordance with tge fair credit reporting act. This creditor American Finance has violated my rights under 15USC1681 Section 602, states i have the right to privacy. Under 15USC1681 Section 604A Section 2, it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15USC1666B a creditor can not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Experian 's repeated failure to conduct thorough investigations of disputes and their ongoing reporting of inaccurate credit information constitutes a direct violation of my rights under state and federal credit reporting laws. Despite multiple attempts to engage with Experian to resolve these issues, no meaningful corrective action has been taken. 

The consequences of this sustained neglect by Experian have had a severe and adverse impact on my financial well-being, creating significant financial hardships and emotional distress in my life. It is evident that their non-compliance with essential credit reporting regulations is causing me undue suffering, and I am left with no alternative but to explore legal avenues for resolution.
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. XXXX XXXX in the amount of {$1400.00}, has violated my rights. XXXX XXXX XXXX in the amount of {$240.00} has violated my rights. XXXX XXXX XXXX XXXX in the amount of {$3800.00} has violated my rights. XXXX XXXX XXXX XXXX in the amount of {$800.00} has violated my rights. XXXX XXXX XXXX XXXX in the amount of {$810.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 card or prepaid card

XX/XX/2023 my tax refund was deposited in my cash app account {$5.00}, XXXX I think on XX/XX/2023 cash app let someone steal my money which was {$3.00}, XXXX that was left in the account and transfer it to four different cards from what I was told I don't know who it was and they don't think they're responsible and they said it's my fault I did not give permission for it and I contacted them they keep hanging up on me I've been calling them repeatedly and going to the website for support and didn't know where
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering loss fund was impossible and that tracking this transaction was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

During yearly credit check on XX/XX/2023 I noticed a collection account that was just added to the report from Resurgent Capital Service LP, XXXX XXXX XXXX XXXX  XXXX XXXX SC XXXX after contacting the company they asked my name and social and after a few minutes into conversation the representative said they are part of federal agency and I need to make arrangement to pay the {$1300.00} or they would send it to the local sheriff department. I told them that account is not my account and send them 3 picture government issued ID and sent it to above mentioned address with signature required registered mail, after they received my ID they responded with a letter to my home that shows they have corrected the address on their file to my current address that I gave them on the phone, I contacted them again and they refuse to acknowledge to have received my registered mail but my receipt back from post office shows a person name " XXXX XXXX '' have signed on behalf of the Resurgent Capital, and they should have everything to help them correct this. I also contacted Secretary Of State and got their Registered Agent name and address and have not filed suit yet, I'm trying to get this resolved befor I take to court.
Product: Credit reporting or other personal consumer reports

Trans Union, XXXX, XXXX are in violation of consumer law codes ( 15 USC 1666B ) & ( 15 USC 1681a ) I did not authorize nor gave my consent for these late payments below to be reported to my credit report This information is incorrect and is against the consumer law. Nor was I notified regarding these late payments no notifications have been sent regarding these late payments I demand that these late payments be removed immediately. Also, I demand that Trans Union, XXXX and XXXX show proof that I gave my consent for these late payments below to be reported to my credit report. 

XXXX Account # XXXXXXXX XXXX  Account # XXXX XXXX XXXX  XXXX account # XXXXXXXX XXXX Account # XXXX
Product: Consumer Loan

I now own a 2009 XXXX XXXX and as part of the sale transaction the seller 's outstanding loan was paid off. I received a lien release from the lender and brought that to the New York State DMV to obtain a clean title. I was informed that there were XXXX liens on the car from Wells Fargo, XXXX representing the original auto loan and the second representing a refinance of the original loan. I can not get Wells Fargo to send me a release for the original lien despite it having been refinanced and then subsequently paid off and satisfied. As a result I still do not have a clean title and can not sell the car. Wells Fargo seems unwilling or unable to provide a lien release letter to the original owner ( my mother-in-law ) so that I can move ahead.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion notified me of a fraudulent account set up with XXXX XXXX XXXX XXXX in a version of my name and using my SSN. The letter stated that I had the right to contact the company for more information. According to The Fair Credit Reporting Act I have the right to " obtain documents relating to fraudulent accounts or transactions from a creditor or other business ''. XXXX XXXX XXXX XXXX  refused to provide documentation. Then XXXX XXXX XXXXXXXX XXXX  will not provide the information and states I must provide a XXXX  via an attorney. 

XXXX XXXXXXXX XXXX XXXX IS IN VIOLATION of The Fair Credit Reporting Act. 

Why have The Fair Credit Reporting Act if we do not require companies to abide? 
Why have The Fair Credit Reporting Act if companies, entities, government, including CFPB, only protect the frauds???? 
The Fair Credit Reporting Act appears to mean nothing accept that consumers receive free credit reports. 
The only way to stop all the fraudulent activity in this country is to actually uphold the laws and acts. Start helping victims and stop protecting the frauds!
Product: Vehicle loan or lease

In early XX/XX/2024, I refinanced an auto loan that was originated by Hyundai Motor Finance. Because of lag time in receiving the payoff check from the new lender, I had to keep paying my loan. As a result, I had an overage in my account of about {$1000.00}. 

Hyundai cleared my payoff on XX/XX/XXXX or XXXX -- I've been told XXXX different dates. My refund has been " pending '' since XX/XX/XXXX, according to them. They are telling me that it takes 30-45 days to issue a repayment for an overage. I'm bewildered. This is money I DID NOT OWE. It's sitting in their account collecting interest -- there must be other situations like this. 

I have called them twice ( XX/XX/XXXX and XX/XX/XXXX ) to ask them to release the funds, and to explain why it is taking so long. They told me that if I had simply made a double payment and was still a customer, it would 10-15 days to resolve. But apparently because I have paid off the loan and am now an ex-customer, it takes 30-45 days. They can not explain a rationale for this.

It strikes me as abusive and utterly unfair that they get to hold onto my payment for a month and half for apparently no good reason. They will not even consider escalating the matter until 30 days have passed, for reasons that no doubt make sense to them. 

As a consumer, I'm really disappointed to be mistreated this way. I had a great auto buying experience, but after 8 months I had an opportunity to get into a better-price loan, and I took it. All the goodwill that they built up with me during the car-buying experience has been squandered by this egregious practice of holding onto people 's money long past any reasonable deadline. Clearly, they have the CAPACITY to make a refund in 10-15 days, because they do it for other accounts. They just choose not to do it in this instance. 

I would be very curious to know how much money gets tied up in overages and what explanation they could offer to CFPB 's investigators. 

They say they are now escalating the matter and that I will hear something from someone someday soon. Very specific. It's interesting that the representation that they are willing to me when I complain does not favor me the way their 30-45 day hold on money that DOESN'T BELONG TO THEM favors them.
Product: Credit card or prepaid card

On XX/XX/XXXX I was informed that all my Citi cards had been closed for some mysterious reason. Called and spoke with several representatives, none could give me any information other than to write to the Executive Response Unit. I did, they haven't responded a full month later. In the mean while they stole {$810.00} of my cashback ( the majority of which I was awarded back in XX/XX/XXXX and hadn't cashed out yet ) from my Double Cash card. 

This card earned 2 % cashback in the following manner : 1 % cashback for purchases, and the other 1 % cashback when those purchases were paid in full. Conveniently they aren't giving me access to my statements which shows the cashback amount. I have a statement for the status of the account as of XX/XX/XXXX showing I have a cashback reward balance of {$620.00}, and a charge for {$9000.00} for that cycle ( the {$620.00} amount includes the 1 % cashback for the XXXX charge ). Since I have no late or missed payments on any account on my credit reports- it means I have paid that balance off in full, and it also means that I would have received another 1 % cashback for that payment giving me a cashback balance of {$710.00} ( XXXX + XXXX cashback for paying the balance off ). 

Then in XX/XX/XXXX I made a charge for {$9500.00} which would have earned me {$95.00} ( 1  % cashback for the purchase ), leaving my cashback reward balance at {$810.00} ( XXXX + XXXX ). This is the amount they stole from me- I want a check sent to me for the amount of {$810.00}.
Product: Credit card

On XX/XX/XXXX, I got a pre-approval letter for the amount of {$250000.00} from Bank of America Home Loans, XXXX, WA. On XX/XX/XXXX, I made an offer ( {$230000.00} ) to purchase a home located at XXXX, XXXX, WA XXXX ( MLS # XXXX ), On XX/XX/XXXX, the lending officer XXXX ( NMLS ID : XXXX ) processed the loan application. 

On XX/XX/XXXX, my agent spoke with her personally I was terminating the purchase contract and I need a new pre-approval letter for the amount of {$270000.00} to purchase a new home, she sent the PDF new pre-approval letter to my agent. On XXXX, I met her and got the physical new pre-approval letter. 

On XX/XX/XXXX, my agent sent the Form 35R to the lending officer the purchase agreement ( MLS # XXXX ) was terminated. On XX/XX/XXXX, I told the lending officer again the purchase was cancelled. 

On XX/XX/XXXX, the lending officer asked me twice how 's the new home purchase? On XX/XX/XXXX, the she sent me the loan withdraw letter ( MLS # XXXX ) ; however, I was charged {$760.00} on XX/XX/XXXX, for the appraisal and credit report. I kept asking her to refund money to me many times but she never reply. 

On XX/XX/XXXX, I met her asked to refund money to me, she refused and said " she received the Form 35R from my agent on XX/XX/XXXX, but it was received after business hours, the appraiser had gone to the property on XX/XX/XXXX, the fee were charged by the third party she can not refund money to me, but she will give me a Price Exception ( {$2100.00} ) for the loan cost when I find another house that would save me much more than {$760.00}. '' I told her she was notified many times the contract was terminated ( MLS # XXXX ), she obviously knew that clearly as she gave us the new pre-approval letter on the new home, and she asked me twice how 's the new home purchase so an appraisal should have never been ordered. 

On XX/XX/XXXX, I filed a claim ( ID : XXXX ) with Bank of America Credit Card Billing Error Department to dispute the {$760.00} charge ; however, the result ( ID : XXXX ) was the same, the fees were charged by the third party can not be refunded. And, they never mention that purchase agreement was terminated and that 's the lending officer 's responsibility to stop the appraisal. I totally disagree with the result of their investigation ; throughout the investigation I have never been giving a chance to submit any relevant documents to support my position. 

I do know that home buyers need to pay the appraisal fee charged by the third party, but I do n't think home buyers have to pay the fee for the mistake made by the lender who had been giving plenty of notice to stop the appraisal. I am a first time home buyer I do not know much about the home buying process, but I believe that I have the right to be treated fairly in the financial marketplace. 

I try to avoid the hassle of a lawsuit please help me to resolve this problem your help would be greatly appreciated.
Product: Debt collection

I do not know who these people are but they continuously call my house and NEVER leave a message. This past XXXX, XXXX, and XXXX alone they called XXXX times. Friday XXXX/XXXX/2015 at XXXX, XXXX, XXXX, and XXXX. Saturday XXXX/XXXX/2015 at XXXX, XXXX, XXXX, and XXXX. Sunday XXXX/XXXX/2015 at XXXX, and XXXX. I believe this is harrassment and if the matter does not get resolved I would like to take legal action.