23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Payday loan, title loan, or personal loan

XXXX XXXX ( solar installer ) used predatory practices to get me to sign a solar contract with them and they're the company that brought Mosaic ( lending agency ) to the table. Mosaic as the leading agency paid the invoices for the work that they said was complete but was never working, does that sound complete to you? I was told by XXXX XXXX XXXX that i would not have a utilities bill and if i did that XXXX would add panels until they got my bill was offset. I learned thats not true because when the sun goes down with this system that i would need power from my utilities company. Also XXXX XXXX XXXX told me that i would be getting a XXXX tax return again not true i would get a tax credit which ill never use before runs out. i would never have signed the contract if i had truly known the truth of how solar really worked. And because of the predatory practices used by XXXX and Mosaic am locked into a 20 year contract that since am not getting the refund as i was told by there solar specialist i want be able to pay the 33 % of loan off before the 16 months ends which will lock me into 20 years of XXXX month payment without ever lowering payment on top of using XXXX worth of power from my utilities company. Am not the only person that XXXX & Mosaic have done this too. Mosaic dosent seem to care that my system doesn't work or the way that XXXX went about obtaining a signed contract
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I used Venmo to send my husband money so he can transfer it to savings. He tried depositing it into his account and it kept giving him problems. Venmo then proceeded to tell him to transfer the money in small increments so he did and said itll be deposited in 2-5 days or something like that. The next day we BOTH received emails saying our accounts have been frozen and we needed to send proof of identification! So we did. After some time they sent us an email saying our accounts have been permanently deactivated! The money was never transferred to my husbands account. I keep calling and emailing and they keep giving me the runaround! Nobody wants to explain why our accounts were closed! And they dont want to give us our money! I will be contacted a lawyer and news and everyone I have to for others to be aware of this! Its completely unfair. That money was for savings for a house purchase!!
Product: Debt collection

I sent a cease and desist letter to the debt collector Exeter Finance that was received in their office on XX/XX/2022. They contacted me today, XX/XX/2022, via telephone in regards to the debt and informed me they had received the letter but did not note that it was a cease & desist.
Product: Payday loan, title loan, personal loan, or advance loan

I responded to an ad offering a low interest personal loan. The actual offer that I received was for a high interest personal loan at 216.85 % APR. How is 216.85 % APR even legal?
Product: Checking or savings account

On XX/XX/XXXX I made 3 transactions. One transaction for {$7.00}, one for {$7.00} and another for the same price. All 3 transactions were taking out of my account and my balance changed. I woke up the next morning and the transactions were at the top of the list and the chronological order was entirely off leading to those 3 charges as freshly new charges. I was charged with an overdraft fee for the 3 transactions. This has happened previously but I was granted a fee reversal. I ask for the fees to be reversed again but they denied me. I told them they should reverse the transactions due to resequence but they were not understanding. I have done my research and have seen that debit resequence happens often but many account holders don't notice. Resequening is totally unfair to account holders.
Product: Debt collection

account is not mine. no knowledge of it, no legal obligation 4 it and no information as 2 its origin. There is no police report or fraud affidavit possible and no information or documentation in my possession. plz chk not untimely incomplete and inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the bureaus ( Experian, XXXX, and XXXX ). They have failed to remove information that was linked with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Mortgage

Good Afternoon CFPB- REQUEST TO LOCATE MY INVESTOR Case # XXXX I spoke with XXXX XXXX XXXX XXXX. The above case number is related but is not why I am reaching out today. 
I have been attempting to locate my investor for 2 years. My servicer BofA had repeatedly stated that they have no access to that information. With the new ruling we as homeowners have the right to know who owns our homes. Subsequent to this ruling the BofA sent me a letter stating the investor is Bank XXXX. 

I contacted XXXX and received their response that they are not the investor and do not physically own the loan or my property. The letter goes on to say BofA is the direct and only contact in regards to my request. 

So a dead end. I spoke with my contact person in the advocacy department BofA today, her records show XXXX as the investor, and she expressed an opinion that when banks absorb other banks accessing information gets buried and it may be the case that BofA may be both the servicer and the investor. 

This seems deliberate and calculated to continue to not have access to who owns my loan. I have a business plan that I have prepared to demonstrate viability in paying my monthly mortgage obligation. I sent his proposal to BYN by registered mail, signature required. here was no return of my business plan or the signature card, only the response email stating they are not the investor. 

MY SALE DATE IS XXXX XXXX, XXXX. I will send via fax the documentation I have referenced. 

I am glad I can bring this to your attention, and am asking that you can look into this matter. I have very little time remaining, and am hoping this sale date will be removed as CFPB reviews my documents.
Product: Credit reporting or other personal consumer reports

Requested debt validation, and current status shows it being reported as open on all XXXX XXXXeports and company has not provided any information requested nor have they ceased reporting the alleged debt to XXXX, XXXX and XXXX. No knowledge of alleged debt and creditor.
Product: Debt collection

Creditor claims I renewed a lease with them and owe over {$20000.00} for the lease term, but they have failed to produce such documents showing I signed for a lease renewal. Moreover, I have a company letterhead stating they transferred me on XX/XX/2021 ( months before my lease with them ended and well before the lease renewal date ) to Georgia for work and have been there since in corporate housing paid for by the company. 

The question is, how could I have signed for a lease if I wasn't present in the state of Colorado to sign for it?
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reports requested by XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX in response to my applications for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt contained these " Key factors that adversely affected your XXXX XXXX '' : XXXX. Experian : NUMBER OF ACCOUNTS WITH DELINQUENCY I have none. 

RATIO OF BALANCE TO LIMIT ON BANK REVOLVING OR OTHER REV ACCTS TOO HIGH XXXX % is too high? every balance except BofA ( {$5500.00} @ 0 % ) is paid in full every month. 

TOO MANY ACCOUNTS WITH BALANCES The only balance I carry is with XXXX ( {$5500.00} @ 0 % ). 

TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN What delinquency? There are none, and there have been none. 

NUMBER OF RECENT INQUIRIES ON CREDIT REPORT The only inquiries have been those by potential lenders vying for this XXXX XXXX XXXX 

XXXX. XXXX : TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT What account opening? I can't even remember when that might have been. 

AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH Again, XXXX % is too high? every balance except XXXX ( {$5500.00} @ 0 % ) is paid in full every month. 

TOO MANY ACCOUNTS WITH BALANCES Again, the only balance I carry is with XXXX ( {$5500.00} @ 0 % ). 

PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH The only loans are the 3.125 % XXXX mortgage and 2.9 % XXXX XXXX XXXX XXXX. 

XXXX. XXXX : LEVEL OF DELINQUENCY ON ACCOUNTS Again, What delinquency? There are none, and there have been none. 

TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT Again, what account opening? I can't even remember when that might have been. 

AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH Again, XXXX % is too high? every balance except XXXX  ( {$5500.00} @ 0 % ) is paid in full every month. 

TOO MANY INQUIRIES LAST 12 MONTHS And once again, the only inquiries have been those by potential lenders vying for this Home Equity facility.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed some unauthorized past the statue of limitation inquiries and they are still on my credit report.
Product: Credit card or prepaid card

I was sent an invitation by a friend to apply for an XXXX XXXX card and if approved I would receive XXXX bonus points. Amex did not honor the points. They claim that I clicked yes to open the card without the points. Ive asked for them to provide proof of this and they could not provide any. Why would I open a new card if Im not getting the promised bonus points? Additionally, they charged me a {$95.00} annual fee. When I called to cancel the card they would not waive the fee and close the card. They forced me to move into a lower card in order to waive the fee but charged me a pro ration of the fee from when it was originally charged to the day I was put into the new card. They have been difficult to deal with at every turn.
Product: Student loan

Company of complaint : Navient Date of complaint : XX/XX/XXXX I am 1 day past my grace period for my due date on my private student loan and Navient has called every single hour on the hour. They have already spoken to the co-borrower of this loan and they were very rude in the manner of how they spoke to him. He let them know I was the one who took care of this account and they told him he is responsible for this account and its extremely past due. Which it is NOT. they continued to call every single hour on the hour after speaking with him - I answered the and they hung up the call at XXXX on XX/XX/XXXX and called the co- borrower again. This is harassment. This is not the first time this has happened when my loan was first transferred from Sallie Mae to Navient I asked they do not contact the Co- Borrower and they refused my request. The Co- Borrower has also requested they do NOT contact them and they do not respect that. According to the FDCPA they can not do that.
Product: Mortgage

We have a XXXX XXXX loan with SLS and have been trying to modify for almost a year. They keep telling us everything is in and under review, we then receive a letter saying paperwork did n't get in on time or something else is needed. We constantly get contradicting information. 

The loan was handed off to an attorney for foreclosure ; however, the file was not moving forward. I would check weekly and continue to feed information over and over again to SLS. 

A man showed up at my door to buy my property. I was shocked, so he handed me the paper and my property was listed to be foreclosed on XXXX XXXX, 2016. I had received no notices of this. I immediately called the lawyer and was told that notifying me slipped through the cracks. 

I received a certified letter four days after calling the attorney 's office. 

We qualify for a modification according to my research and we have the money to make the payments since my husband is now employed back in his field. 

We cant even get reviewed for alterantives, SLS just wants to take our property which has about {$900000.00} in equity. 

This is our lifes work, we are in our XXXX and this is our XXXX. 

I do n't know who to trust.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft EQUIFAX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/2018 This is not mine.
Product: Credit card or prepaid card

I, XXXX XXXX ( Formerly XXXX XXXX ), have been taken advantage of by US Bank National Association, located at XXXX. XXXX XXXX, XXXX XXXX, MN. XXXX. I applied for an XXXX XXXX Card back in XX/XX/XXXXand received a letter from US Bank on XXXX XXXX, XXXX, stating that my XXXX XXXX XXXX ending in XXXX would be replaced by my new US Bank Card, with an outstanding monetary credit limit, that could be used to pay off bills. I am an ordinary consumer in debt trying to pay off existing debt. Why would a National Bank replace a consumer 's credit card, who is very much in debt, with a credit card that has a high monetary credit limit? What is the purpose, I ask you? I did not request a different card with a different account number. I had became delinquent in payment due to job closure. I entrusted XXXX XXXX XXXX for Bill Consolidation help with my credit cards and found that they were pocketing most of the monies and they dropped me as a client. All of my creditors came in on me. US Bank turned my account over to XXXX and XXXX XXXX XXXX Firm to collect the debt. I have been giving the collection agency " good faith '' payments, which the company proceeded to take me to court for the entire amount. US Bank has been really taking advantage of me ( a hard working tax paying citizen ), who is very concerned about keeping a good credit standing. Please help look into this matter at hand. I am hoping that no other consumer get caught up into the same situation that I have been put into. 

Thanks, XXXX XXXX XXXX Formerly XXXX XXXX )
Product: Bank account or service

On XX/XX/XXXX I deposited a check in the amount of {$2400.00} into my Wells Fargo account though the ATM machine. On their website it states that a deposited check clears the next business day. However, that 's not what happen with my check, I was told and it shows on Wells Fargo site that my funds will be posted into my account on XX/XX/2016. 
This is a long time to hold on too someone 's money, especially when that someone has to pay bills before XX/XX/2016. I spoke to different people from Wells Fargo and was told different tells about why my check was placed on hold. But on their site it states that the money is being held because of the overdrawn chargers within the pass six months, which are only XXXX. The last one was only for {$6.00}. I suspect that is just away for them to hold on someone 's money. With the electronic transfers now a days things should be done a lot faster. I think there should be a class action lawsuit against Wells Fargo and any others banks that pull this type of garbage on their customers.
Product: Debt collection

I entered a consumer credit transaction with synchrony bank and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which they claim that an alleged debt is now owed, the interest was not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that synchrony bank claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. XXXX synchrony bank has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Product: Mortgage

XXXX XXXX XXXX XXXX Driver 's License # XXXX Address of Property : XXXX XXXX XXXX XXXX XXXX, GA XXXX Current Residence : XXXX XXXX XXXX, XXXX XXXX, OK XXXX I, XXXX XXXX XXXX, hired XXXX XXXX XXXX, the owner of XXXX XXXX XXXX XXXX XXXX. He was hired to repair damages to my home in XXXX, GA after XXXX XXXX. This was an insurance claim as well as addition to the home. XXXX XXXX received a check for {$21000.00} as well as {$10000.00} of personal funds that was transferred from my XXXX XXXX XXXX XXXX account to his. After XXXX XXXX abandon the property, damaged my property which left my home not livable. I know have family displaced/homeless with no way of contacting him. I have left several messages on his cell phones, emails, and I have sent him a certified letter for him to please contact me. XXXX XXXX signed for the certified letter and still has not contacted me or refunded me my funds. I called his insurance company to see if I could file a claim but was denied due to a statement that he was not paid. The insurance company also stated that he was not a license contractor and should have never signed the contract. I researched the database to locate if he ever had a license and was unsuccessful. I am XXXX XXXX military and I am asking that I please have someone assigned to this case and to help me. I do not want him to do the to anyone else. I have a copy of the contracts, checks and a letter from the banks for funds cashed, transferred and received. XXXX XXXX signed the contract XX/XX/XXXX. He started some measurements/materials during XX/XX/XXXX. XXXX XXXX did not start any construction on my home until XX/XX/XXXX/XX/XX/XXXX timeframe. This is from texts and phone calls of the progress from him. After XXXX XXXX received the additional {$10000.00} via funds transfer ( XX/XX/XXXX-XXXX XXXX XXXX week ) no one was able to contact him. My insurance company ( XXXX XXXX ), mortgage company ( PHH mortgage ) as reached out to him several times with no response. I spoke to an attorney about this issue and was advised that the person was a fraud that had stolen my money and that I needed to make a police report ASAP. If you need any documentation or have any questions please call me at your earliest. I can be reached at XXXX XXXX XXXX XXXX. Police report # XXXX Thanks and have a blessed day! XXXX XXXX XXXX
Product: Prepaid card

I received a XXXX $ XXXX as a Birthday gift from my friend. I tried to use this card many times at different stores and online and didn't work. I tried to call a card support line at XXXX and request an resolution on this issue but they was not able to help me. The company representative started to ask me to provide my personal information like my address, my ID or utilitie or bank statement to verify my identity. I didn't provide them any of this information because it is unsafe and not relevant to this issue. The only information I gave them was my email address and they sent me this response : Communication Update Subject : Cardholder Services- XXXX XXXX XXXX XXXX - XXXX Hello, Our team is currently working on your case XXXX and has the below update. Thank you for your patience with this matter. 



Comments : Hello  XXXX, - A picture of the front and back of the card - A clear color selfie holding your ID. Please ensure that your upper torso, shoulders, arms, and hands are fully visible in the picture, along with the ID. 
-Only one of the following documents : Purchase receipt, Activation receipt, Bank statement reflecting the card purchase. 


Once we receive the documents, you can expect an email within 48 hours outlining the next steps to proceed with your request. 

Best regards, XXXX XXXX XXXX XXXX.
Product: Checking or savings account

HSBC US Bank closed my account with a balance of {$960.00} for a reason best known to them. They sent me a check, after I deposited the check, the bank where I deposited the check called me that there was a stop on my check, and that HSBC placed a stop check on my check. I tried to reach them but no response. 

When I chat them I got this Thank you for staying connected. Upon checking I'm sorry to inform you that, I see there was a stop check request placed on the check it was then known something was wrong, I have been trying to call but no response. 

I just want my money back.
Product: Checking or savings account

On XX/XX/2019 I opened two accounts ( checking and savings ) responding to the {$500.00} offer by Citibank. I was assisted by the banker XXXX XXXX who received the copy of the offer and confirmed that I qualify for it. The offer required keeping over {$15000.00} in both accounts for a period of at least 60 days plus qualifying direct deposits. Both conditions have been met so when I returned from a trip abroad I checked my account balance and I didn't see the deposit so I called the banking center. The bank center indicated they are not aware of any offer so I sent an email to Ms XXXX which was subsequently returned as invalid user. I asked my XXXX for help so with my authorization my XXXX contacted the branch XXXX Ms XXXX by email. The email indicated that the branch manager is on vacation with a return date of XX/XX/XXXX. Subsequently I called and left the message for call back and none came. My XXXX  also called and the calls were not returned. 
It is very strange that if someone calls the bank and a person within it, the Citibank staff completely ignores it pretending that the issue didn't exist. 
I respectfully ask Citibank to honor the terms of the offer since the branch 's staff feels it can ignore customers.
Product: Credit reporting or other personal consumer reports

I believe this information is inaccurate for the following reasons : The account has not been properly verified. 
The update contains errors that are inconsistent with my records, such as a wrong balance, payment status, or dates. The update seems to be illegal or in violation of regulations such as the Fair Credit Reporting Act ( FCRA ), as it was made without my consent and is inaccurate.
Product: Student loan

XXXX XXXX XXXX ( XXXX ) has been notified several times that the cosigner ( father : me ) wishes his name to be removed from legal obligation on the contract of my son 's college private loan. The loan in question is dated XXXX/XXXX/XXXX with an outstanding balance in excess of {$8000.00}. He graduated in XXXX, XXXX and has met or exceeded his payment obligations every month since then. He is now married and has a joint income of more than {$120000.00} ; his personal income exceeds $ XXXX/annually. Clearly, he is able to meet his own obligations relative to educational loans. 

I have contacted American Education Services ( AES ) numerous times. AES contacted XXXX in XXXX, XXXX and in XXXX, XXXX, and XXXX, XXXX. All contacts have received no responses. 
My complaint is with XXXX. Not with AES.