23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I recently applied for a personal loan with Discover Personal Loans. I submitted my loan and application, and learned my loan was finalized on XXXX XXXX, 2015. I was told I should receive a check for my loan within 10 business days. 

On the XXXX business day, XXXX XXXX, 2015, I still had not received my funds. I called Discover Personal Loans and found that my payment had not even been sent yet, and would not be until later that week. 

However, I was informed that I was going to be charged interest from the day that the loan was finalized, XXXX XXXX, 2015. To me, this is utterly unfair because I am paying interest on funds that I have not received, and in fact have not even left Discover 's bank account. 

I 've looked up the rules and regulations regarding this practice. And it appears per 12 C.F.R. 226.2 ( a ) ( 13 ), I am obligated to start paying interest when the loan is " consummated ''. While I may have agreed to certain particulars of the loan on XXXX XXXX, 2015, I did not receive my end of the contractual consideration on this date, and would not even receive it for 15 calendar days later ( at the soonest ). In this case, the amount is not insignificant. It is approximately {$100.00}. ( {$23000.00} loan amount x XXXX apr XXXX XXXX Discover 's daily accrual method x 15 calendar days of interest. 

I have canceled the loan, for obvious reasons, and expect Discover to not hold me accountable for any interest from this loan, as I have not been able to make any good use of the loan they provided. 

I am concerned they are preying on unsuspecting customers by using this " consummation '' loophole, getting customers to agree to the terms of the contract on the funding date, being overly slow in disbursing funds ( over 10 business days is truly excessive ), and reaping the benefits of their inefficiencies. 

I would like a response from Discover, and I think this may warrant an investigation from the CFPB, and possibly a class-action lawsuit.
Product: Mortgage

modification in XX/XX/2020 PA code 59.13 in relations to reasonable diligence was violated when i timely provide record of everything required for a modification was denied for timeliness of documents even though it uploaded and I emailed it to support my record and less than 90 days later i was offered another attempt at the same modification I then supplied updated financial information and all other information was good to go yet Mr. cooper needed another XXXX ( valid for 120 day ) and a authorization for XXXX ( same information ) and different criteria from the same loan months prior another affidavit another XXXX XXXX app done again WHEN they were the one at fault .. How can i supply you with emails of record and upload them and Mr cooper said they never received them but my email Shows when Mr cooper got them within the required time defined in this legal section Mr cooper has never taken into consideration the harm of not knowing what to expect or how to make informed decisions when one is at the brink of foreclosure and its very alarming. In this pa code 59.13 there is a subsection iv ) Facially complete application : and i met all those conditions in XXXX and my very last attempt this year ( when i stopped submitting my documents i then FILED WITH THE CFPB, XXXX XXXX XXXX XXXX XXXX  ) So while i wait for " justice '' and this was ignored Mr cooper Runs out the clock and leave me with tackling a unfair amount that should have been negotiated XX/XX/2020 but Mr coopers Mail box didn't work at that time And this last attempt IS Mr Coopers gross negligence after their " charity forbearance '' My DOCUMENTS were sent on time and anything Missing would have been rectified the second time Mr cooper has purposely been evading to evaluate me on time and then ask me for information in a short period of time where there is no reasonable way it can be achieved .... I'm Flabbergasted that MR COOPER THINKS THAT I DONT KNOW THE PROCESS AFTER ALL THE PROCESSES IVE BEEN SUBJECTED BECAUSE OF MR COOPER XXXX TO ADMIT A MISTAKE time after time after time. BUT THATS NOT REDUNDANT
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60dayXXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries I have no clue of are : XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX- XX/XX/XXXX XXXX  XXXX, XXXX I already reached out to each to company and all they told me was to contact the credit bureaus to resolve this matter.
Product: Debt collection

Company continues to try to send me bills for medical debt which i am on medicaid. I provided them the medicaid id number. I am attaching my medical card which shows I have been insured since XX/XX/XXXX. The collection was updated XX/XX/XXXX after providing evidence of insurance.
Product: Student loan

I have a private loan that I am own without a cosigner. There have be two separate instances where Wells Fargo has called others in my family ( Wife and Mother ) besides myself looking for me. I have never given permission for others to be contacted and both do not understand how they were even contacted since they are not on my loan.
Product: Credit reporting or other personal consumer reports

I am experiencing issues with my mortgage application due to incorrect information reported on my credit report. All of my loans, managed by XXXX XXXX XXXX XXXX, were submitted for deferment under identical conditions and have been deferred. However, all loans are being inaccurately flagged on my credit report as " disputed, '' which is not correct and is causing delays in my mortgage pre-approval process. 

Below is a list of all my loans managed by XXXX XXXX XXXX XXXX sorted by loan number, with confirmation that all loans are deferred : XXXX Deferred XXXX Deferred XXXX Deferred XXXX Deferred XXXX Deferred XXXX Deferred XXXX Deferred XXXX Deferred XXXX Deferred My lender, XXXX XXXX, has informed me that the " disputed '' status issue applies to all loans, despite their deferred status. This incorrect flag is preventing the mortgage pre-approval process from moving forward, as his company requires this issue to be resolved upfront to avoid delays during final approval and closing. 

I have contacted XXXX XXXX XXXX XXXX  multiple times, requesting their assistance in ensuring that the accurate deferment status of all loans is reported to the credit bureaus and the " disputed '' flag is removed. Despite these efforts, the issue remains unresolved, and my credit report still inaccurately reflects this status, causing unnecessary complications. 

I am requesting the CFPB 's assistance to ensure that the correct deferment status of all loans is accurately reported and that the erroneous " disputed '' flag is removed from my credit report. This correction is critical for me to proceed with my mortgage application without further delays. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to apply for credit card but was denied because of unauthorized use of credit leading to hard inquiries from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, and XXXX XXXX
Product: Debt collection

Today I received an alert from XXXX regarding a derogatory item. I was unfamiliar with that item. I reached out to the company XXXX XXXX and XXXX XXXX hung up on me multiple times. The 4th time he told me to call XXXX XXXX after I asked about the validation notice. I was not aware of any of this being sent to collections and have not received any letters or communication regarding this. I was not given proper time to validate or dispute this debt and it has decreased my credit score significantly. 


XXXX XXXX or XXXX XXXX XXXX XXXX XXXX in XXXX XXXXXXXX and was not able to get in touch with a representative. I then called the corporate number which transferred me to XXXX XXXX  who said that they could no longer help me with this. So basically, I have received no validation notice, no dispute process and all 3 points of contact are sending me elsewhere. 

I have a serious medical condition that prevents me exercising and has resulted in me working from home full-time. This is unnecessary stress.
Product: Debt collection

I contacted the debt collections attorney XXXX XXXX XXXX and his paraprofessional, XXXX XXXX XXXX, and the XXXX XXXX XXXX ( XXXX ) property manager XXXX XXXX, the XXXX corporate contact XXXX XXXX XXXX XXXX with regards to the disputed amount due in XX/XX/XXXX. All parties did not respond or did not respond appropriately and accurately when I sent the collections attorney the form back disputed the amount due. I sent the collections attorney XXXX XXXX XXXX with Dorough & Dorough , LLC and his paraprofessional XXXX XXXX XXXX the completed and signed form back and received an inaccurate ledger with an inaccurate amount due. The paraprofessional XXXX XXXX XXXX sent an email in XX/XX/XXXX, color coded with more inaccurate amounts due. I have paid the amounts owed for the HOA/assessments fees and sent them certified United States Mail with return receipt. I emailed all parties multiple times requesting that they correspond both via email and certified mail. They sent a ledger dated XX/XX/XXXX and not have sent an accurate amount due since, nor have they returned the returned receipt U.S. certified mail receipt through the USPS. I have not heard anything via email or U.S. mail from the collections attorney. I also paid the collections/attorneys fees with my payment which was held up in the mail processing center mail delays that we have been experiencing. I followed up by paying the past due amounts for the HOA/assessment fees through XX/XX/XXXX and again have not received a response from any of the parties involved. I have also followed up via email when I paid for and sent via XXXX mail, with a signature required, asking the collections attorney to consult with both XXXX and his office staff who signed for the mail that I sent with my payment.
Product: Checking or savings account

I am filing this complaint against Regions Bank for failing to protect me from deceptive billing practices by XXXX XXXX, which led to {$430.00} in charges that I did not knowingly authorize. 

In XX/XX/XXXX, I signed up for a free XXXX business profile. On or around XX/XX/XXXX, a XXXX representative contacted me by phone to help set up the profile and offered me {$300.00} {$400.00} in free ad credits. What was not clearly explained was that these credits would only be applied once I spent a portion of my own funds meaning I had to spend my own money first. This was misleading and not what I believed I was agreeing to. 

When I noticed the first charges posted to my account around XX/XX/XXXX, I immediately contacted XXXX and told them I did not want to participate in the advertising program. I was told that in order to receive a refund, I could not cancel outright I would have to pause the account instead. I agreed under that condition and received a partial refund ( around {$96.00} ) a few days later. XXXX confirmed in writing that my account would be paused from XX/XX/XXXX, to XX/XX/XXXX. 

Nowhere in that message did they disclose that billing would resume automatically after the pause ended. 

In XXXX and XX/XX/XXXX, I discovered that XXXX had resumed billing my Regions Bank account, totaling {$430.00}. I never reactivated the campaign or authorized those charges. There was no notice, prompt, or opt-in. Additionally, XXXXXXXX XXXX platform does not allow you to remove a stored payment method online it must be done by phone, and their support line has excessive wait times. This created an intentional barrier to cancellation. 

I again contacted XXXX, and then filed a dispute with Regions Bank around XXXX XXXX. The bank ultimately denied my dispute, stating that XXXX had provided evidence I agreed to the terms. While I may have agreed to general terms at signup, I did not consent to future charges after the account was paused especially not under these misleading and restrictive circumstances. My actions ( including two phone calls to XXXX and the initial refund request ) demonstrate clearly that I did not wish to continue with their advertising service. 

I have documentation to support my claims, including the email confirming the pause period and bank statements showing the disputed charges. I believe this situation reflects deceptive billing behavior by XXXX, and a failure by Regions Bank to adequately investigate and protect me as their customer. I am requesting a full reversal of the {$430.00} that was unfairly reinstated to my account.
Product: Credit card or prepaid card

Reported fraudulent transactions on XX/XX/26, chase investigated for a few days then rebilled. 

After talking with them early XXXX it was clear they didnt do any actual investigating, just based their decision off internal data. Reopened case and contacted merchants, found that a fake ID was used for purchases, I was able to prove I was several states away at the time the transactions took place, signatures did not match, and the fraudster likely called customer service pretending to be me on XX/XX/XXXX probably asking for a limit increase. 

After the mountain of evidence Chase has to show this charges were not authorized theyre still standing behind their decision the charges were valid due to POS data from a chip card
Product: Debt collection

I was working with a debt consolidation company to resolve some debt. XXXX XXXX agreed to settle my debt for 30 % of the balance over 3 payments. The payment schedule was {$290.00} on XX/XX/XXXX ( completed XXXX {$1200.00} on XX/XX/XXXX ( completed ) and {$1200.00} on XX/XX/17. The final payment XXXX rejected and reversed they terminated the settlement offer and ended up selling the debt/hiring someone to try to resolve again. I filed a complaint against XXXX XXXX and was told by their response that the payments were late that is why the voided the settlement. I contacted the consolidation company I was working with XXXX XXXX XXXX and they advised me that payments were made electronically through a 3rd party payment account and payments were made timely as negotiated for the settlement. XXXX XXXX did not provide any proof that the payments were received late only wrote dates in a letter format. They have sold/contracted Nelson and Kennard to attempt to handle this account and they have already threatened litigation against me. I have sent in proof of the settlement agreement and explained what was going on and they have never contacted me back. I have called about 5 times now and found that they already started paperwork on litigation.
Product: Credit reporting or other personal consumer reports

There was false reports of deceased on my credit file because of this in the pas 7 years my credit has never moved it been in the same state because of identity theft
Product: Debt collection

XXXX XXXX XXXX ( Representative : XXXX XXXX XXXX & XXXX XXXX ) has been reluctant in addressing my concerns of their unlawful mortgage assignment n my property. I requested the following : # 1 A clear documented chain of title, from the origination initiated by the lender up to its current " Trust & Servicer. '' # 2 A bill of sale for each assignment and documentation of the delivery an acceptance receipt from the originator to the sponsor, a delivery an acceptance receipt from the sponsor to the depositor, and a delivery an acceptance receipt from the depositor to the Trustee 's. In addition to all original notes, all on-time payments made and all original documents that were executed from the originator up to the current Trust & Servicer 's. See attachment.
Product: Credit card or prepaid card

In XXXX, I recieved a gift card of {$500.00}, drawn on US Bank, as a first place prize that my daughter won in an art contest. When we decided to use the card, we were told that the card already had two large purchases on it totaling {$440.00}. We had never used the card and it was still in the packaging it came in. When I contacted US Bank, I was told that they would investigte the charges. Ultimately, they could not confirm where or who made the purchases, so they sent us another seperate gift card for the remaining balance of {$56.00} which we used. On XX/XX/XXXX I recieved a letter from US Bank advising me of an " unredeemed gift card '' and if wanted to claim these unredeemed funds, that I needed to respond by XX/XX/XXXX which I did. I still have not recieved the check from US Bank, for have I gotten any further communication from them. When ever I call the bank, there is no one to help and they are not even able to access any information about the card for me, this inspite of the fact that they sent me a letter indicating that I had an un redeemed balance of {$440.00}. The CSR 's at US Bank, ask me what kind of card it is which is VISA and they then proceed to transfer me to them, but they are not able to help either. US Bank has a gift card customer service department, but whenever I'm transferred to it or attempt to call them directly, the call gets dropped. I have been trying to resolve this issue since XXXX, but gave-up on it when I realized that US Bank had no real incentive to help me. However, when I received the letter on XX/XX/XXXX, I thought that perhaps they realized that the card had never been used and still has balance on it. Again, I never used the card and had no idea of how or when the card was used. I would greatly appreciate any assistance that you can provide to me in resolving this matter. Thank you.
Product: Checking or savings account

On XX/XX/year> my checking account was charged an amount of {$100.00} for a subscription from XXXX XXXX. 
I attempted to report this fraudulent charge to Wells Fargo, but they stated it would take up to 10 days for a decision to be made. 
I requested the funds in dispute be immediately redeposited into my checking account until a decision is made. 
They refused to grant my request, stating that the funds would not redeposited until the investigation was completed.
Product: Vehicle loan or lease

My car was totaled. The insurance company and the gap company wasnt getting the proper information to move on with the gap process. So Kia Finance said it was a charge off for the remainder of the loan. I got involve and went back and forth with both companies until the issue was resolved. Now the car is paid in full but I still have a charge off on my credit report and it has my score very low.
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization, violating FERPA and your responsibility to protect my records. Given the severity of this breach, I request the immediate cancellation and discharge of my XXXX XXXX debt in full.
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. 

XXXX Account # XXXX has violated my rights. 

XXXXt Account # XXXX has violated my rights. 

XXXX  account # XXXX has violated my rights. 

XXXX account # XXXX has violated my rights. 

15 U.S.C 1618 Section 602A states I have the right to privacy. 

15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years.

15 U.S.C 1618 s-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: Checking or savings account

On the morning of XX/XX/2022, I realized within 10 minutes after submitting two XXXX payments, that I had been scammed on XXXX XXXX after listing several items for sale on XXXX XXXX. I immediately walked from my university library to the PNC branch on campus that was about 5 minutes away, to notify them of the issue. They basically said " the transfer is immediate, we can not stop it '' even though the amount had not yet been deducted from my account and PNC, along with XXXX could totally have arranged the transaction to be canceled right there and then. They told me to wait for the amount to be posted on my account before filing a dispute, and proceeded to give me a wrong number to contact. 

I filed a dispute with PNC with no favorable results, even after providing details about the transactions, the XXXX accounts that the transfers were made, etc. In addition, I was provided a letter that said I could call to hear the details of a dispute, with a number provided. When I called the number, no one could give me ANY details about the dispute even after multiple follow up calls and transfers. They scheduled to have a supervisor/manager call me back after I provided them with my available times, but it is as if they INTENTIONALLY call me outside of the available times I had provided. I have been a loyal customer to PNC for 10 years and the last supervisor/manager I spoke to asked me in a very disgruntled way, " what do you want? '' and proceeded to send me around on another wild goose chase with no additional useful information. 

The total amount of these XXXX scams were {$350.00}. PNC along with other banks, OWN XXXX. Therefore, PNC as the owner of XXXX, AND the bank I chose to bank with for the last 10 years should take responsibility by refunding {$350.00} to me. ( The amount of the transfer that I had promptly requested to be cancelled. ) PNC also needs to take responsibility for their refusal to provide additional details on my dispute and take better steps to address disputes in the future. I am happy to provide any additional documentation or photos needed in a follow up. But please do not waste more of my time unless you will, in fact, process this refund back to me. 

XXXX scams appear to continue to affect many people. Enough that it is still a huge news topic even today. Banks like PNC and others that own XXXX have been unethically evading responsibility for long enough. Please hold them responsible!