23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

At the beginning of I XXXX, I found out about this credit reporting agency chex systems. And since Ive previously been a victim of identity theft, I decided to see what they were reporting. Upon request of my report I noticed some accounts have been open in my name that I didnt recognize/authorize and some inquiries for my report that I didnt recognize/authorize. So I filled a police report ( temporary # XXXX ) and I called ChexSystem and informed them that I was a victim of identity theft. Informed them of just a few of their many violations of : *15 U.S. Code 1681s2 ( a ) *15 U.S. Code 1681b ( 2 ) *15 U.S. Code 6801 *18 U.S. Code 1028A Because you are PROHIBITED BY LAW to furnish inaccurate information.

*15 U.S. Code 1681s2 ( a ) So I demanded they Cease and Desist the reporting of incorrect/ inaccurate information immediately.

And I demanded to see verifiable proof ( ie : an original consumer contract with my signature on it ) and/or a Certification from the creditor that certified the accuracy and completeness of the information/alleged accounts.

*15 USC 1681e- ( b ) I explained that I did not give them any expressed permission or permissible purpose to report any of the information of these alleged accounts or of any account for that matter.

*15 U.S. Code 1681b ( 2 ) I informed them of the obligation that financial institutions have to provide me with my disclosures of personal information before disclosing any of my private information. And explained that I have not received any disclosure yet so they are reporting information that I gave no permission to disclose.

*15 U.S. Code 6802 And because they cant provide the validation of the certification of the permissible purpose document that you should have certified before selling my report. They committed Aggravated identity theft of my information.

*18 U.S. Code 1028 They have yet to cease and desists of the reporting of these inaccurate alleged accounts or any of the unauthorized inquiries.
Product: Mortgage

Hi my name is XXXX and I 'm writing in cause i was lied to about my opinions to save my home through the government program called harp i told that the program had ended and disputed that cause i had received lots of information from harp telling that i qualified and do n't let my morage company tell me that i do n't i told my rep at nationstar only to be told that is program had stoped and no longer exist which was totally not true i told him that i wanted to save my home and that did n't believe what he was telling me but i when out looking for someone to give me a second cause my home was given to me by my mom and it was paid off which i sent him the proof in an email and i only borrowed XXXX which my ex wife stole from me I 'm really trying to take care of this my one opition is to go into my XXXX and another fund at my job or harp or file bankruptcy but i do n't want to lose my home and i want to be told the truth about the programs
Product: Checking or savings account

Bank will not take care of many fraud charges on several claims from out of country charges and slapped foreign fees to all of them in addition to many other unauthorized charges. I have been in the hospital and under a XXXX care not in XXXX!
Product: Mortgage

Fay Servicing , LLC in XXXX bought my mortgage from XXXX XXXX XXXX and did a 3 month trial period I think that s what they called it. I sent in all the paperwork required and and the end of XXXX, they said that the man who owns my mortgage did not want to give me the 90 day break in payments they led me to believe I would be getting. Now I am 2 months behind. I am almost age XXXX, have been living here for 30 1/2 years and only will be able to live in my 14 year old XXXX. I had a double by pass 6 years and have only Social Security income. I have been told your organization have dealt with this outfit in 2017. I need help and soon. Please contact me. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX, they said they were going t
Product: Checking or savings account

I have a trust at wells fargo. Most recently I was made aware that {$20000.00} was deposited into my trust account. When deposits are made, the trustee is supposed to be notified as stated in the trust contract. So that the trustee can choose to have that deposit transferred to their personal account. By not informing of this deposit and who knows how many others. They are in essence stealing from me. 

Reimbursements used to take a few days, now it takes a few weeks. This is for education, medical and emergencies. There is a section in the trust that specifically mentions emergencies and manner of living. They have gone from not giving me any specific answer, to not speaking to me at all. They have decided that my car breaking down and having to spend thousands to fix, does not qualify as an emergency. 

XXXX XXXX is the Sr. Manager that I first tried to discuss some of these issues with. The issues only got worse until I found out about the {$20000.00} they hid. XXXX XXXX XXXX is my contact at Wells Fargo. She is supposed to notify me via email as well as standard mail if funds deposited. She does not do her job or take responsibility for gross incompetence if not outright fraud. I do not know how many times they have done this before. But I have requested to find out from Wells XXXX. 

Regardless if this is the first time, I can not continue at this bank after this. My XXXX  is XXXX XXXX and after filing this complaint along with a XXXX  complaint. I plan to find a lawyer who specializes in trusts, to help me understand how severe their incompetence is. And hopefully be able to move this trust to any other major Bank. Wells Fargo is no longer accredited by the XXXX  and they rank last in XXXX  of all major banks.
Product: Vehicle loan or lease

Remaining balance of {$2200.00} has been on my credit for over a year, for a vehicle that will never be driven again because it was totaled. I want it removed asap because it shows up as a repossession which puts me at a halt to get other vehicles.
Product: Student loan

In XXXX XXXX I became unemployed and asked XXXX XXXX XXXX to recalculate my payment, they did it and made the payment much higher even though our income was a lot lower due to me being unemployed. Also back around 8/2017 they approved me for a unemployment deferment, then they took it off for no reason and without my permission put me back on repayment status at a high rate, so I called into customer service and they asked me to send in another unemployment deferment and I did then they approved it which I have copies for starting XX/XX/XXXX. Why would I want it to start in XX/XX/XXXX I am unemployed now. Then XXXX XXXX without my permission put me on a forbearance for a month which is higher interest than the unemployment deferment. Also during this time with all this going on they kept changing and increasing my payment amount. Also I was on the public loan forgiveness and they have n't added any payments that I did make toward the 120 payments. They keep messing with my loan and not responding to my emails. And when I call the customer rep they tell me different stories. Like one customer rep said for me to apply for one of the income contingent payment and I would have a XXXX payment, that was not so they as I mentioned early increased my payment by double or more. I was giving a lot of misguided and false information. Also in XX/XX/XXXX they took off my parent plus loan and said it was transferred so that one loan showed transferred, but now we are in XX/XX/XXXX and they have it back on there. Why would they put that is was transferred even though it was n't. I have kept my paperwork and taken screenshots of my account where they keep changing things. I have three loans with them and the parent plus loan is one of them. Please do something about this. It is very stressful to deal with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep receiving communications from XXXX about a loan for XXXX and the account and loan is not mine. This is an unauthorized and fraudulent account that should not be reporting to any credit bureaus. It is reporting to Experian to date. I reached out to XXXX on XX/XX/XXXX concerning this matter and did not receive a response until XX/XX/XXXX stating that XXXX took XXXX XXXX XXXX side and that the account was delinquent. I've tried contacting XXXX and they are not available via the telephone only email. Per my rights under FCRA, this unverified and unauthorized item must be removed from my credit report with Experian.
Product: Vehicle loan or lease

XXXX attempted to repossess our vehicle when we returned the vehicle when it was due. We were pressured to sign to a voluntary repossession agreement when the car was returned per the contract date. This pressure came in the form of voicemails and phone calls and in office pressure by sales rep. This completely wrong and the car should have been received and balance due not a repossession. To remedy this issue I need : Voluntary repossession removed from my credit file immediately from all credit bureaus
Product: Vehicle loan or lease

ON XXXX XX/XX/year>, I RECEIVED A NOTIFICATION THAT {$900.00} DOLLARS GOT DEDUCTED FROM MY SAVINGS ACCOUNT, IT CAUGHT ME OFF GUARD, SO WHEN I CHECKED IT, IT SHOWED THAT IT WENT TO XXXX XXXX, SO IIMMEDIATLY CALLED THEM AN THEY STATED TO WAIT TIL THE WEEKDAY TO SEE IF THE FUNDS WENT THREW, SO I WAITED TIL TUESDAY AN THE FUNDS WAS APPROVED TO XXXX XXXX, SO NOW IT XX/XX/year>, AN THEY ARE STILL STATING THAT THEY HAVE NOT RECEIVE MY PAYMENT AN TEHY WANT ME TO SUBMIT ANOTHER PAYMENT PLUS THEY ARE ALSO REPORTING ME TO THE CREDIT AGENCIES THAT I AM NOT PAYING ONTIME, YESTERDAY A CUSTOMER REP WANTED ME TO GIVE HER MY BANK ACCOUNT INFORMATION WHICH I REFUSE BECAUSE SHE WAS GOING TO TAACK THEM FUNDS OUT MY ACCOUNT.
Product: Checking or savings account

On XX/XX/22 I was notified that my Venmo account was charged {$69.00} by XXXX. I immediately disputed the transaction since I do not actively use my Venmo debit card now do I use Venmo on my XXXX account. I provided screenshots of my XXXX account showing no transactions for {$69.00} or transactions that add up to that amount. Venmo cancelled my debit card and provided a temporary credit for that charge. Then on XX/XX/22 I received another email from Venmo saying the XXXX XXXXharge was updated to {$130.00} and I again submitted a dispute. The email from Venmo detailed two separate charges of {$69.00}, the first transaction has a date of XX/XX/22 and the second on XX/XX/22. I had then received another email from Venmo from the dispute team saying if I didn't hear from an account specialist on XX/XX/22 to reach back out, I gave them a few extra days and still had heard nothing. On XX/XX/22 I reached back out for an update and on XX/XX/22 Venmo stated that my dispute was denied and to check my inbox for details, I checked my inbox and received no emails with the denial. I responded back since I know the total of {$130.00} was in fact fraud. Venmo asked me to further information proving why I was appealing the denial, I again sent the screenshots mentioned above - since it was unauthorized I do not have further information. On XX/XX/22 I received another email from Venmo saying they can not appeal my dispute without further information since I don't have evidence from XXXX that the charge was fraud.
Product: Checking or savings account

I have a bank account with Fifth Third Bank. Due to my medical condition, I was unable to check my account and discovered fraudulent charges had been made, causing my account to go into the negative. Instead of assisting me, the bank closed my account, claiming it was overdrawn. However, they failed to take into account that I was in the hospital and that there were fraudulent charges on my account. 
My banking details are as follows Account Number : XXXX Fraud charges details XX/XX/2023 -- - {$100.00} XX/XX/2023 -- - {$480.00} XX/XX/2023 -- - {$200.00} XX/XX/2023 -- - {$100.00} XX/XX/2023 -- - {$100.00} I noticed that all the charges on my account are from a company called XXXX XXXX. However, I did not make any transactions with this company and never authorized them to charge your account.
Product: Credit card

XXXX XXXX XXXX my XXXX is available. I went to arm my card had been cancelled. This is 8 times in 12 months. The next day I received 2 texts one asking if I changed my pin I replied no. Low card balance below XXXX XXXX The deposit was greater then XXXX XXXX Someone had illegally pulled the XXXX $ plus out of my account. Because my card had been cancelled and my pin number fraudulently changed I have been Frozen out from contacting anyone from direct express. Because this has happen so many times before I asked your service for dates times and change in protocol to prevent future abuse. I contacted the XXXX XXXX XXXX XXXX Department both then and now. I am asking for audio copies of all fraudulent acts. I want all addresses the criminals requested to send the new cards. I suffer from XXXX, XXXX and XXXX XXXX XXXX XXXX. I need my funds and sent photos of me, my id and my direct express card that I still posseded. I want them to either same day funds and card at there expense and reemburstment of all previous replacement cards. Obviously the protocol does not prevent this crime.
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 customers, right to privacy and confidentially under 15 U.S.C 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX dont know acct # XXXX XXXX XXXX XXXX XXXX Dont know acct # XXXX5 U.S.C 1681 section 602 A. States that 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 an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) sections 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 convictions of crimes which anti-dates 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

Dear Consumer Relations : The reason I am filing this complaint with your agency is due to CITIBANK N.A reporting the wrong open date as being XX/XX/XXXX re-age debt. The correct opening date should reflect XX/XX/XXXX, according to my contract which is attached to this complaint. 

Secondly, the account was sold to a collection agency XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, with a balance due {$6900.00}. Citibank has done nothing but inflated its balance in an attempt to collect more than what is due. This practice is fraudulent. Once the account is charged-off and sent to an outside collection agency, all charges shall cease by the original creditor. It is my sincere prayer that your agency lodge complaint into the issue stated. 

Regards, XXXX XXXX
Product: Debt collection

I have been in an ongoing dispute with XXXX XXXX as I firmly believe that I don't owe anything to the credit their are representing. To the best of my knowledge, I have paid off XXXX XXXX XXXX for charges accumulated for my wedding. I have repeatedly asked XXXX XXXX XXXX for a copy of the statement that shows the transactions that add up to the amount they are charging me for, and I have yet to receive it. These communications have been verbally and I have mailed them validation letters. They have not been cooperative at all. I have sent letters to them ( XX/XX/XXXX, XX/XX/XXXX ), as well as the credit bureaus ( XX/XX/XXXX, XX/XX/XXXX ), disputing this item. I don't think I owe anything at all. And if I do, I'm confused on how its over {$1200.00}. Before I even consider working out some type of agreement with XXXX XXXX XXXX, I  demand a statement showing the billed charges so I can confirm or deny them. Until then, they have failed to provide proper validation of charges to justifiably add this account to my credit report. They sent me proof that XXXX XXXX XXXX has  contracted them to collect the debt on their behalf, but even that balance is different from what's being reported on my credit report. I am confused and they have done nothing to help me with this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I mailed a letter to the UNITED STATES BANKRUPTCY XXXX XXXX XXXX OF ILLINOIS, asking do they report bankruptcies to the credit bureaus OR any Consumer reporting agencies and the COURT sent me a letter back stating that " They do not report any information to the Credit bureaus and they are not responsible for verifying or validating Information from consumers credit files. So how did LCI verify this allege bankruptcy as a 100 % ACCURATE. 


LCI violated my Federal given rights under 15 USC 1681.

According to the FCRA : 15 U.S.C 1681 section 602 A. States I the Consumer have the right to privacy.

According to the FCRA : 15 U.S.C 1681 section 604 Section 2 : it states a consumer reporting agency CAN NOT furnish a CONSUMER REPORT without written instructions OF THE CONSUMER TO WHOM IT RELATES.

According to the FCRA : 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.

So now since LCI Can not provide with the Permissible Purposes Document that shows that, I the consumer give them written instruction to furnish, Publish or sale my consumer report to anyone. they have just committed AGGRAVATED IDENTITY THEFT.

According to : 18 U.S.C 1028- AGGRAVATED IDENTITY THEFT ( A ) ; Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

I also contacted PACER and they told me that the information may not be a 100 % ACCURATE therefor they can not PROPERLY VERIFY This account as ACCURATE. and they do not give out Information on Bankruptcies.
Product: Student loan

Over the course of three years ( XXXX ), Sallie Mae ( now Navient ) loaned me {$130000.00} in private loans while I pursued my doctorate. I was a full time student at this time, so my husband co-signed for me ( although his yearly salary was only about {$65000.00} at the time ). I completed my doctorate in 2013. While I was in school, Navient kept my loans in deferment. Once I graduated, I went into repayment but quickly found that the capitalized interest had increased my loan amounts substantially, and the minimum payments they required were greater than I could afford on a teacher 's salary ( at one point, they were demanding a payment that was about 2/3 of my monthly take-home pay ). I have asked for income-based repayment plans on numerous occasions but have been told repeatedly that they can't help me. They have put two of the five loans on a reduced interest rate that makes the payment more manageable but they have repeatedly refused to work with me to make it feasible for me to pay on ALL my loans. Since I've been in repayment, I've paid a total of {$27000.00}. My loan amounts have increased ( in total ) by {$120000.00} so that I now owe Navient {$260000.00} and can not begin to make the minimum payments they are requiring. I have filed complaints in the past regarding the derogatory and unethical comments and threats Navient representatives have made to me ( one representative told me I was stupid, and another threatened to have my teaching license revoked since I was behind on my payments while another threatened to send the sheriff to my home to arrest me ). I am filing this complaint now because XXXX XXXX, the attorney general for Mississippi, has filed a lawsuit against Navient for fraudulent and deceptive student lending practices. I feel that I have been victimized by Navient since they should never have loaned a college student/teacher {$130000.00} in the first place. Since those loans, they have failed to notify me of the penalties and interest that I am accruing and have made it easier to put my loans in forbearance rather than working with me to make payments in keeping with my actual income and family size. At the rate at which Navient increases my interest rates and piles on penalties, it is going to be impossible for me to earn enough money over the course of my lifetime to pay them off. Ever. I have offered to pay what I can on each loan as a sign of good faith but even that was denied. This company is worse than modern day mobsters.
Product: Checking or savings account

Opened a HSBC advance checking account back in late XX/XX/XXXX with an understanding that there will be a {$350.00} promotion bonus for opening the account and funding it with {$10000.00} within 30 days of account opening. The fine print says customers who held any HSBC account from XX/XX/XXXX to XX/XX/XXXX is not eligible for the promotion. So I called in HSBC prior to account opening and had confirmed with an agent that I didn't have any accounts opened during this period. With this confirmation, I proceed to open the checking account and had met all the requirements, but did not receive the promotion bonus as promised. I called in to HSBC repeatedly starting from XX/XX/XXXX to XXXX XXXX ( about ~5-6 times ), and was given a host of different reasons as to why I did not receive the bonus. Was initially told that I had an account with HSBC during XX/XX/XXXX to XX/XX/XXXX, in which I replied stating that I had confirmed with an agent about this prior to account opening. A ticket was opened for further investigation but they did not follow up with me on the progress. Later I called again and was told that I did not register for the promotion during the sign up, hence was denied of the bonus. Not only are these claims contradicting each other, they're also not valid. As a consumer, I feel HSBC did not keep their end of the promise and also showed lack of support to follow up and resolve this issue. Hence I'm contacting CFPB in hopes to get this resolved in a timely fashion.
Product: Debt collection

Midland Credit Management Inc/ XXXX XXXX XXXX /started lawsuit without prior notification- despite denial of debt existence. XXXX purchases writed off credit card debt for XXXX cents on dollar and on basis of shody evidence initiated lawsuit. 
Theirs business model is utilization of taxpayed courts to obtain default judgement, followed by utilization of sheriff office to satisfy default judgement. 
Contract have arbitration clause and should not be subject to court. 
Starting lawsuit cost Midland credit management $ XXXX {$200.00} Arbitration cost is {$5000.00} paid by junk debt buyer
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report. is the result of that trafficking. Collection : XXXX XXXX XXXX {$5100.00} Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX