23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I never intended to use this account for savings, I wanted to use it as a short term loan. They didnt offer me a loan. However, with {$80.00} in my bank account their genius felt like I was in a good position to invest money. They took {$11.00} from my checking account. Getting it back has been a horror. It took 5 days for it to clear once initiated - but they initiate with no delay, it is getting the money back that they prevent. I initiated a withdrawal on XX/XX/XXXX with a few hours before it should have been batch processed through the ACH and sent to my bank at XXXX XXXX Eastern time on XX/XX/XXXX. However they did not initiate it. I asked them via chat several times ( because they dont have call in support ) - it took several hours to get responses. They keep saying it takes 2-3 days to clear- which is true- but this is AFTER INITIATION. 
It is now Monday XX/XX/XXXX at XXXX XXXX Eastern time and they STILL HAVE NOT INITIATED the withdrawal. 
Again my text to support has resulted in waiting HOURS FOR A REPLY and getting the same generic 2-3 business days for a withdrawal completely ignoring that this is AFTER INITIATION. 

To cancel the account there must be a {$0.00} balance and no pending transfer. It is my contention that Albert illegally delays withdrawals/ transfers to : 1. Illegally profit off of the interest ; 2. Precent people from closing their account when they would like to, thus forcing a {$14.00} a month payment Many things they are doing are illegal and this company should not be allowed to operate. I am waiting currently HOURS again for a text response which Im sure will be that withdrawals take 2-3 days completely ignoring my question of why it hasnt been intitiated I will pursue a class action Please see my attachment- the withdrawal I initiated at XXXX XXXX Eastern time on Friday XX/XX/scrub>XX/XX/XXXX still has not been initiated by Albert as of XXXX XXXX on Monday XX/XX/XXXX It should have been batches through ACH at XXXX XXXX eastern on XX/XX/XXXX. It was not. It should have then been initiated at XXXX XXXX on XX/XX/XXXX and it was not. This is nothing short of THEFT
Product: Vehicle loan or lease

A loan for car repairs was taken out without my consent by the owner of the body shop called XXXX XXXX XXXX XXXX XXXX. This occurred on XX/XX/2023 for the amount of {$2800.00}. I reached out to my bank due to an unauthorized transaction of {$550.00} from the lending company, Koalafi or AKA West Creek Financial. I called Koalafi and explained how I did not give consent for any loan to be opened. Also, I did not sign anything or see any paperwork in reference to this loan. The owner of the body shop inputted all my info without telling me about the loan, the terms/ conditions, and most importantly he forged my signature. I never signed anything. The rep said she was going to contact the body shop and then contact me. That never happened. I filed a police report for the fraudulent activity, I also filed a complaint to FTC. Lastly, I filed a dispute with XXXX. Ive done everything in my power to notify the correct agencies about this fraud and nothing has been done.
Product: Debt collection

I have tried numerous times asking National Credit Systems to send me information to verify an alledged debt on my credit report. To this day I have yet to recieve anything in written. It is my belief this company keeps stalling because they do not have any records. According to FCRA I have a right to ask for written verification of anything on my credit report that I believe is inaccurate.
Their last response a few days ago was they were going to contact the credit bureau.They also asked me to send any information to help them verify the alledged debt. I do not have information.
Product: Student loan

Note : I previously made a complaint with the reference number : XXXX. While I have finally been placed into the XXXXXXXX XXXX, the information provided by MOHELA to the CFPB was inaccurate when it was sent as I had provided the information MOHELA claimed to have previously denied me on. 

This complaint is regarding three issues : 1. I have repeatedly requested the documentation related to my account from my previous servicer, XXXX. MOHELA has repeatedly given me information that I believe is inaccurate but without that documentation it is impossible to verify either way. I made this request on XX/XX/2023 and have received no response. 

2. I have requested clarification on the interest that has been accruing to my account. I believe MOHELA has decided to apply interest during the mandatory period during XXXX  where interest was waived. They have not responded to repeated inquires on this topic. I initially made this request on XX/XX/2023 and have received no response. 

3. MOHELA does not allow you to payoff loans on its website. Its telephone system is impossible to navigate as many menus do not provide you with options necessary to get the help you need. I do not have time to sit through 5 minute menus every time MOHELA 's inadequate system fails to connect me with anyone and instead gives me a robot to talk to. After attempting 5 times to connect with a MOHELA representative with no success today XX/XX/2023 I used MOHELA 's message system to request my documents. 

4. Most of my loans are not reflecting the autopay discount, this needs to be adjusted and back dated to ensure that I am not being overcharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have Items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 {$0.00}, XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX ) XXXX Balance : {$140.00}, XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX  ) XXXX  Balance : {$390.00}, XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX, 2022, XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX, 2022, XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022, XXXX XXXX XXXX  XXXX Inquiry XXXX XXXX XXXX XXXX, 2022, XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2022, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, 2022, XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2022, XXXX Inquiry : XXXX XXXX, 2022, XXXX XXXX XXXX XXXX : XXXX XXXX, 2022, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2022, XXXX  XXXX Inquiry : XXXX. XXXX, 2022, XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2022
Product: Checking or savings account

So apparently, several bank accounts have been opened in my name that I wasnt aware of and all of the banks that were opened are closed due to negative balances so now I cant open a bank account anywhere. I was a victim of fraud since the year 2021 and I was young so I didnt think that it was serious but now I know how serious theft identity is, I cant open a bank account or take out a loan because of someone else actions. I currently dont have any documentation at the moment but I called a lot of banks that stated that I had closed account with them that were previously in the negative which includes XXXX XXXX XXXX XXXX chase, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on a number of occasions i reached out to Equifax over the phone and spoke to different representatives who assured me that they would take care of the problem I was having. The complaint is about Equifax reporting inaccurate information as well as misinformation on my credit report. For example equifax has been reporting a balance of {$2000.00} on a XXXX  XXXX account listed as closed status on my credit report when in fact the balance should be reflecting a XXXX  balance instead. Because this information is being reporting inaccurately, according to the FCRA it should be completely REMOVED. This means that i am not asking Equifax to update the balance to XXXX  but to remove the account for reporting inaccurately. Secondly, as of XX/XX/2021, a number of accounts have gone missing including a student loan account which I was paying off along with other authorized accounts. I have enclosed images ( screenshots ) of my equifax online portal for two different months to show the difference.
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Checking or savings account

I opened a new checking account online couple of month after a dealership financed my new car thru them and by having this loan, I was under the understanding that I was already a customer, but the bank failed to inform me otherwise and also failed to inform me on a clear and timely manner that my account founds will be unavailable until I provide them with a copy of my drivers license and social security card. 

By the time I discovered the issue, I was already out of cash, the bank was closed and all my available funds stuck on this account. To correct the issue, I promptly provide the bank with the requested documentation, to which the reply by email saying the issue will be resolved within a day ; however, is been three days and I'm still unable to use my funds because the bank hasn't care to clear my account and the two times I called, they haven't been able to resolved the issue. 

The last call I was told the will lift the restriction on my account as soon as they can but can not provide me an exact date because they are too busy and this process could take several days ; yet I have an email of them from three days ago saying that it will only take a day and the issue hasn't been resolved. 

as of today, I haven't been unable to access my funds for six consecutive days.
Product: Debt collection

The company, National Credit Adjusters, purchased a debt from XXXX XXXX after I was able to successfully dispute the account and had it removed because I am a victim of identity theft. The company changed the dollar amount the account number and added it back to my credit report, which are violations under the FCRA.I have contacted them on the following dates occasions XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and have not received a response to my debt validation letter requests, which I have a right to request Fair Credit Reporting Act, Section 609. This debt is not mine, I have not applied for and loans from XXXX XXXX, the original debtor.
Product: Mortgage

On XX/XX/22, Loandepot sent me quotes for refinance. 
On XX/XX/22, they confirmed that the same rate was available, and committed on email to waving of origination fee and finally providing at least {$2000.00} worth of lender credits. 
Based on above commitment, I authorized a hard inquiry and wanted to lock the rates. 
They made me wait and did not send a loan estimate on XXXX despite multiple follow ups. 
On the morning of XX/XX/22, I was informed that loan costs have increased and I would have to pay approximately {$4000.00} more towards closing costs of the loan than what was communicated on XX/XX/22.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  showed up on my credit report, and I received a letter declining my application. I called the company to inform them, and they asked for additional personal information, which I would not provide. I NEVER applied for any personal loan. This was on XX/XX/XXXX. I didn't apply for any loans. The application ID # from XXXX is XXXX dated XXXX phone number is XXXX. 

I also have a 2nd hard inquiry report from XXXX XXXX XXXX on XX/XX/XXXX. I didn't apply for this loan. Someone is trying to apply for personal loans in my name. 

I have NOT APPLIED for any personal loans since XXXX of XXXX. 

I think someone has hacked into my XXXX XXXX account. I updated my password today, XX/XX/XXXX. I need to get these hard inquiries off my credit report they are lowering my credit score.
Product: Vehicle loan or lease

Hi, I want to fill a complaint to PNC Bank for a car repossession process. This bank started reaching out to me through a collectors number, where they asked me for my social security without explaining reasons for me to provide such delicate information. 

After calling the bank myself, I was informed I owed payments for my new car loan, however, as I never received an email or official communication from the bank, I did not have any information on my account, status of my mortgage, or anything. 

When talking to the bank, I requested to have access to my account, for which they said they were going to send me a mail, where I could log in and have access and visibility. 

A few days later, before I received any formal letter communication that they mentioned they would send, my car got repossessed and towed. 

Now the PNC Bank is asking me to pay XXXX in fees for repossession, and also the towing company fee which is of more than XXXX dollars. Moreovoer, they are asking me to pay the full amount owed ( XXXX dollars ) cash at their bank, they do not accept any other type of payment. to be forced to pay cash a process like this looks like a scam. 

Im complaining because this is a very unhealthy and unfair process as a customer. I have the money to pay, but I never received any official information from the bank, now im in this situation with my car towed and the bank states they have tried to reach out, even though I was asking them for formal mail communication and access, which they never did. 

I hope this serves to help us, the people of the state, to have processes that are transparent and that do not play against us and benefit the banks. This inefficient process and communication, where customers have cero visibility or formal communications, serves to benefit PNC Bank, and is leaving me without car without any notice, paying a ridiculous fee amount in cash to the bank, still without any documentation or access from the bank regarding my account, and now affecting my credit with this repossession while the bank is lucrating from it and obtaining cash money.
Product: Debt collection

In XXXX of 2021 I ran my credit report and noticed there was a collection balance of XXXX. 

I logged on to their website and paid the balance in full. The account wasn't updated. I then disputed the amount on my credit report with the credit agency but it still was not removed. I then sent a letter directly to XXXX XXXX along with a copy of the bank statement showing the funds were paid. The amount is still listed on my credit report. 

After receiving the payment in XXXX they sent me a letter stating I owned them amount that were now past the 7 year mark. I think they took the amount I paid them and tried to apply them to amounts that are past the 7 year period. 

If they do not remove the collection from my account I will be forced to reverse the charges as I will not pay for any amounts that have not been verified as legitimate. 

Thanks, XXXX XXXX
Product: Mortgage

The company ( Nations Lending ) XXXX Washington - XXXX # XXXX. I was encouraged and was told that a appraisal needed to be completed which I knew that was needed which cost me {$600.00}. They denied my loan because they said that they were looking for my home to be appraised @ {$330000.00}. But they knew my house was only worth at least {$310000.00}. They even told me that doing the process. I am ok with them denying the loan but they should has told me upfront prior to getting the appraisal that was the number needed. At first they did not want to provide me with the appraisal documents. 
I called the appraisal office and they informed me that their cost was not {$600.00} but around {$250.00}. So why and how can this company keep any of the monies for the appraisal that they denied. I am a XXXX XXXX living on a fix income and they deny my loan and was not honest with me. They took advantage of me. I was lied to multiple times. 
I should be due back {$350.00} XXXX XXXX XXXX
Product: Debt collection

After reviewing my report, I see an unauthorized, inaccurate and invalid auto loan being reported onto my credit report. This account in not mine and was opened without my consent. According to the FCRA this is against federal laws. 

All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).
Product: Credit reporting or other personal consumer reports

PLEASE DELETE BANKRUPTCY FROM CREDIT DUE TO VIOLATING MY RIGHTS Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here..

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting TheCongressmakes the following findings : ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy.

Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generaL Anypersonwho willfully fails to comply with any requirement imposed under this subchapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by theconsumeras a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In generalAnypersonwho is negligent in failing to comply with any requirement imposed under this subchapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( 1 ) any actual damages sustained by theconsumeras a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and this bankruptcy must be deleted from my consumer reportor i will seek monetary damages in small claims court in my city and state. Also i already sent this letter to theConsumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX  andFederal Trade Commission. 

PLEASE DELETE BANKRUPTCY FROM CREDIT DUE TO VIOLATING MY RIGHTS.
Product: Mortgage

The mortgage servicer I've had for the past year, XXXX, suddenly transferred my mortgage to PHH without any notice. Neither company sent any type of correspondence regarding this change. I only noticed the issue when my regular payment was not debited on the regular date. After checking XXXX 's website, it showed my loan was " paid off '' but had no other details. 5 days later on XXXX XXXX, 2021, I see a new mortgage company has debited from my bank account without ever giving me notice of this transfer of information ( including my banking information! ).
Product: Debt collection

In XXXX XXXX XXXX I applied to a job that sent me a check only to find out the job was spam upon trying to cash a check that was received from the company to purchase equipment to work. Upon being advised Id cashed a fake check I acknowledged to the bank PNC that I was not aware the check was fraudulent until theyd notified me. Around the time of applying for jobs and receiving the fraudulent check my identity had been compromised. I made law enforcement aware of this and was advised to make a police report. Id placed a block on all of my personal information and credit. As of XX/XX/XXXX, Midland contacted everyone I can think of that I may know personally as well as people I dont know whatsoever to make them aware of this supposed debt that is owed. Midland stated I have a debt of roughly XXXX XXXX owed to XXXX separate companies, XXXX that I am unaware of aside from PNC . Midland threatened to garnish wages as well as provide a claim to a previous home address of mine and stated if the attempt to receive confirmation of my ID & /or signature were not obtained Id be forfeiting all possible options of a settlement. I do not agree with the settlement and therefore I am not going to pay on the settlement whatsoever. I also dont feel comfortable to verify any of my current information as Midland is very aggressive and rude with their employees as well as supposed couriers they use.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's in action violates federal law and my rights as a consumer under the specific laws stated in list, 15-usc-1681-ia-1 15-usc-1681-ia-6b3 15-usc-1681-ia-5b