23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have made multiple complaints for the unfair deseptive and abusive acts regarding my mortgage with Fifth Third Bank. The mortgage lender in question has continually charged me unwarrented fees and claims the charges are property taxes. When I logon to the XXXX XXXX XXXX XXXX website my property taxes are {$240.00} on a semi annual bases ; Fifth Third Claims that my property taxes are {$520.00} on a semi annual bases. Fifth Third Bank has caused unavoidable damage in the effect of increasing my mortgage payment by over {$100.00} per month. I need help with this matter I can not afford to pay the money that the lender is demanding. I have yet to get help from UDAAP, FTC or CFPB this is clearly a case of a lender taking advantage of the under informed and leveraging their financial power over a consumer with limited resources.
Product: Debt collection

Had taken out a loan with Spotloan XX/XX/2016. I stopped paying on the loan because I no longer could afford the payments. After consulting with an attorney, she suggested that I file a complaint against this company for violations of the FDCPA and Rosenthal FDCPA as she determined that this company along with his prior collection companies, engage in serious collection violations which has caused me and my family a great deal of distress. The individuals representing this company bullied and intimated me as well as called me on numerous occasions threatening legal action, wage garnishment, etc. if I did not pay this debt and refused my requests to contact my family members, called me a " deadbeat '' and other defamatory comments and threatened to continue to call my family members despite my request until I paid the debt. I also received multiple calls from their " process server '' who called me as well as my family members threatening to serve me with papers even though no law suit was currently pending. The collectors left messages with a case number which did not exist in the court system according to my attorney. In addition, my family members were repeatedly called by this company even though they knew how and where to reach me. The distress over the repeated contacts, threats and harassment to me and my family coerced me into making a {$200.00} payment last month that I could not afford. This whole incident finally led me to contact an attorney to represent me in this matter and who also directed me to file a complaint with the FTC as it is her opinion that this company engaged in borderline criminal and unlawful debt collection tactics. I 'm filing this complaint in the hopes that this company can be stopped and put out of business so as to not put any other people in the situation that they put me through.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

This is my fourth attempt to inform you that I am a victim of identity theft. I am writing to dispute specific entries in my credit report resulting from this crime. The records in question do not pertain to any transactions involving goods, services, or money that I have made or authorized. Please remove any information in my credit report that resulted from this alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} SLOAN/NELNET XXXX Balance XXXX XXXX {$0.00XXXX XXXX XXXXXXXX Balance Owed : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$34000.00} XXXX  XXXX Balance Owed : {$1800.00} XXXX  XXXX Balance Owed : {$970.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX XXXX Balance Owed : {$18000.00}
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. 
Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, 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 reporting, credit repair services, or other personal consumer reports

I opened two disputes with Experian regarding a credit card that belongs to my brother. Both of the disputes I had opened were closed and no action was taken. Experian states the the information is correct. The credit card belongs to my brother. We share a very similar name, the same birthdays because we are twins, and we share an address because we live together. We do not share the same social security number. His social security number is on my Experian credit report also. I want his credit card removed from my Experian credit report. Thank you.
Product: Credit card or prepaid card

i XXXX XXXX transferred money to my another bank account and on my end it says complete i did the transfer on XX/XX/2021 in the mount of XXXX and in the mount of XXXX the money mioney never was sent to my another bank account and was not put back in my bluebird account and they refused to to give me my money back as of to day its been 4 days the man was supposed to call me back the next day never did and every time i call and get someone on the phone and they look at my account they hang up on me tried 2 time today XX/XX/2021 and both times i got hung up on please i just want my money back that they steal from me its bad when my own bank is stealing my money and they want give it back they said someone will call me today XX/XX/2021 and they never did they want even tell me what is going on it took me 2 day before that to get them to even open a case report and they still act like they ant even doing anything about my money missing out of my account the man said he need 3 day to check eveything out and then they will bee able to help me he was supposed to call me back the next day like said earlier he never called and still has not called me as of todays date XX/XX/2021 my money still is not been put back in my account and still have not heard anything by phone or email and its been 4 days now and now i cant even get my money off my card to close my account i feel they going to try to take even more of my why they want let me get my money out.
Product: Student loan

My personal and financial information was compromised without my approval or authorization. The FAMILY EDUCATIONAL RIGHTS AND PRIVACY ACT ( XXXX ) Protects my confidentiality of student records. This breach is a clear violation of XXXX and your responsibility to protect my information. Given the severity of this breach resulting in the compromise of my personal and financial information, I am requesting the full and immediate cancelation and discharge of my student debt loan in full. XXXX does not have my permission to access any of my records and has committed an unbecoming violation of XXXX. I was made aware of this violation XX/XX/2025 and I do not consent for my personal and financial information to be shared with any person or entity.
Product: Debt collection

I am writing in response on recent communication with the Better Business Bureau ( BBB ) in which XXXX XXXX XXXX claimed that I am not a customer or client of respective credit reporting agencies. I am deeply surprised by this statement, as it contradicts the presence of a collection account on my credit report, which clearly indicates that they have my personal information. I have attached a copy of the response to the BBB for your reference. 
I would like to reiterate that despite your assertion, I indeed have a reported collection account on my credit report, which is impacting my credit score and financial standing OVER 1 YEAR. 
This information not only implies that I am a customer or a client but also raises concerns about the accuracy and legitimacy of the reported collection account. and express my deep concern regarding the presence of a falsely reported collection account on my credit reports maintained by both XXXX and XXXX. Despite providing evidence to support my claim, I have yet to receive a satisfactory resolution to this matter and the removal of the inaccurate information Immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting inquiries on my credit report that I do not recognize nor did I approve. Listed are ; XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX is reporting inquiries on my credit report that I do not recognize nor did I approve. Listed are ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to dispute an authorized hard inquiry that has appeared on my credit report on XX/XX/2023 by XXXXXXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023. While I did provide consent for the inquiry in question, I have reason to believe that I did NOT benefit from this inquiry as I did NOT receive credit from this company. I kindly request that you investigate the circumstances surrounding this inquiry and take appropriate action to address my concerns. As a consumer, I understand my rights during commercial transactions, including credit reporting. According to the XXXX, an authorized hard inquiry should provide some form of benefit or advantage to the consumer. In this case, I believe that I did not receive any tangible benefit, service, or advantage from the party responsible for the hard inquiry, as required by the XXXX. I have reviewed my credit report thoroughly and have found no evidence of any benefit or advantage resulting from this inquiry. It is crucial to note that the XXXX requires a valid benefit or advantage in order for an authorized hard inquiry to be considered legitimate and compliant with the law. Please assist.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

For over 18 months I have been submitting documents to Selene to get assistance with my home mortgage. They do not notify me of any missing documents they might need, nor will they tell me why they continue to not assist me. They call XXXX and XXXX times a day and are very threatening. They refuse to take any payment since XXXX 2016, saying that I had to pay the full amount due or they would foreclose immediately. This past XXXX ( after at least XXXX written applications/requests for a loan modification for my home ) they finally carried thru with their threat. For the next 2 months they harassed and harassed me with numerous calls and messages each day and they refused to negotiate and only wanted the full amount due ( approx. {$14000.00} ). Finally with no option left, I filed CH XXXX bankruptcy. During the next 30 days I again, called Selene to see what I could do to keep my home. They said there was nothing that could be done, except to stay current and let the Bankruptcy proceed. In middle XXXX I had my case dismissed without prejudice due to my circumstances. Since then Selene is back to harassing me and giving me false hope and information. Last week, XXXX I re filed an application for Loan modification, as once again my house is in foreclosure. I have repeatedly asked for a different contact person as the one I have XXXX is abusive and is very prejudiced against me. Selene does not follow the FTC or CFPB guidelines and continues to be harassing and threatening. In XXXX they did not send me any notice that my house was in foreclosure, and as of today I have not receiveed anything for the current status. I need your help. 
My income dropped, it was XXXX and now only XXXX. I am the only provider and I need to keep my house. The deny my requests saying I can afford to pay the arrears within 3 months, but I can not afford to make my payments. 

Please investigate this company, as they continue to break FTC and CFPB guidelines regarding collection practices. They follow no guidelines but their own. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to TransUnion result of their non-compliance to my request and for their refusal of getting the items and unauthorized inquiries, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items and unauthorized inquiries for they were found erroneous. 

XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX, Tx XXXX XXXX ( XXXX ) XXXX XX/XX/year> Office of the Attorney General of Texas Consumer Protection Division XXXX XXXX XXXX XXXX, TX XXXX Subject : Complaint Against Credit Acceptance Corporation for Predatory Lending and Usury Practices Dear Texas Attorney General XXXX XXXX , I am writing to formally lodge a complaint against Credit Acceptance Corporation ( CAC ) for predatory lending practices that have severely impacted my financial well-being. I believe CACs actions constitute usury and violate consumer protection laws in Texas. 

Details of My Situation : Loan Details : See Attached Documents Deceptive Practices : CAC misrepresented the true cost of the loan, leading me to believe I would pay a reasonable interest rate. Instead, I discovered that additional hidden charges and inflated loan terms resulted in an effective interest rate far exceeding state usury limits. 
Affordability Concerns : CAC approved my loan without proper evaluation of my ability to repay, resulting in severe financial strain. 
Aggressive Collection Methods : After struggling to meet payments, I faced [ repossession, exorbitant late fees, legal threats, etc. 

Violations : CACs practices align with allegations highlighted by your office and other states, including : Misleading loan disclosures Inflated interest rates masked by add-ons and hidden fees Targeting vulnerable consumers with unaffordable loans, predicting high default rates to ensure profit through repossessions and collections. 

Requested Action : I respectfully request that your office investigate CACs business practices in my case and take appropriate action. Additionally, I seek : Review and adjustment of my loan terms Restitution for excessive fees and penalties paid A thorough review to protect other Texas consumers from similar practices Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. Please feel free to contact me for any additional information or documentation needed. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have $ XXXX locked in my account at Robinhood. My account was restricted by them for reasons unknown to me, and I was asked to upload a series of documentation ( automated message in the Robinhood app ) which I did promptly. Since XXXX, I got a notice that said wait for a follow up call within XXXX minutes. Its been a week and counting with no call and no sign of progress. I tried to email them as well but was told to request a call ( which I already did ) and my case was immediately closed without resolution. I cant access the $ XXXX in my account at all.
Product: Credit reporting

I requested via certified letter on XXXX XXXX, XXXX, for each CRA to remove a public record from my credit reports. The public record is a released tax lien from XXXX. I provided each CRA a copy of a letter from my XXXX Recorder which states that neither he nor his agency has ever verified or furnished my tax lien info to any CRA. I followed up with Equifax on XXXX XXXX, XXXX, regarding a number of disputes about collections on my Equifax Report, and stated that these same collections have been removed by both XXXX and XXXX, and that I want Equifax to remove them as well. The agent entered disputes on my behalf for each collection posted. Great! While I had her on the phone, I simply followed up to see if my certified letter from XXXX XXXX, XXXX, had been received regarding my request to delete the tax lien from my report and, if so, was it being considered. I included in that certified letter to each CRA a copy of a letter from my XXXX recorder as requested by each CRA in order to verify the record, a copy of my DL, SS card, and a utility bill to verify my identity, and a copy of the FTC/FCRA summary report Re : Section 603 ( d ) and ( f ) of the Fair Credit Reporting Act, along with a cover letter requesting deletion of this public record as a result based upon this legal statute. The Equifax agent 's statement was a follows ( after putting me on hold for only XXXX minutes ) : " Yes, we have your certified letter and a copy of the letter from your XXXX recorder. But, sir, a letter from a public agency, even if it states that the agency did n't verify with us your public record, we can not remove it without a Letter of Expungement. '' I sited the case law above and FCRA 611 statutes to no avail. I stated that I did as requested by the CRA 's to contact the original vendor and get verification of whether the vendors furnished and or verified public records with each CRA, and that the law is clear on this matter. She replied, " I simply can not remove a public record regardless of what an agency says in a letter stating it did not verify nor furnish the public record. Again, you must seek a Letter of Expungement to legally remove a public record from your credit report. '' I told her I will follow up with seeking counsel on this matter, and thanked her for her service. 

I do n't believe her nor do I believe that a Letter of Expungement is required if the laws are clear regarding public records reported to CRA 's, and the public agency has denied in writing that it ever reporting a public record to each and any CRA, and as a consumer being requested by each CRA to seek such verification from a public agency. I 'm struggling to see why I 'm being denied by Equifax regarding this matter in the face of the legal statutes of Section 603 ( d ) and ( f ) of the Fair Credit Reporting Act. The AZ Revised Statutes regarding prohibition of publishing of records, such as my tax lien ( and a bankruptcy I have from XXXX ), are also very clear -- A.R.S. XXXX ; XXXX ; XXXX ; and XXXX.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Equifax and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 1. XXXX XXXX  - XX/XX/year> 2. XXXX XXXX - XX/XX/year> 3. XXXX XXXX  - XX/XX/year> 4. XXXX XXXX  - XX/XX/year> 5. XXXX XXXX  - XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that there are some accounts continue to report on my credit report despite i've already requested this matter, Behind of that, I am asking for your help to correct these accounts on my file. I've also send my previous letter to the 2 credit bureaus such as XXXX and Transunion but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be corrected. I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. These following accounts please investigate and have these corrected : XXXX XXXX XXXX XXXX Balance : {$390.00} Opened XXXX XXXX, XXXX : DEPT OF EDXXXX XXXX  Balance {$12000.00} Opened XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX  Balance : {$440.00} Opened XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX, account # XXXX, 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 602 ; it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX