23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I am XXXX plus years old and not familiar with technology, retired at XXXX and living on a fixed income. When XXXX sales representatives came to my home in XXXX of XXXX  and offered to reduce my utility bills by installing Solar panels, I thought it was a good opportunity. I agreed and signed XXXX time online after serving them dinner with their families and believing everything they said. 
XXXX XXXX was the company that did the financing of the Solar Panels and they promised my total payment for the length of the loan would be under {$200.00}. My electric and gas bill at that point totaled over {$350.00}. They said they would replace my hot water heater and furnace and include that in the monthly payment. I did not see the contract until AFTER I signed ( XXXX XXXX  ). 
When I finally got to view the contract ( after trusting the contractors ) it made no mention of my Gas bill, i.e., heater replacement or furnace. When I questioned them, they said they went off contract, but they would get that done on their own. I have text messages from them supporting this, but have been unable to reach them for five months. The Finance Company XXXX XXXX did not send me a loan contract until after the Solar panels were installed, but it was totally different to what I agreed to pay. 
My payments would increase by {$100.00} after 15 months. My payments have doubled because I'm still paying XXXX XXXX, XXXX XXXX and XXXX XXXX. I saw XXXX complaints about other people having the same issues. I am struggling to pay XXXX XXXX additional {$200.00} in addition to my electric and Gas bill. Also there's now alien on my home for {$82000.00} which is twice the amount of my mortgage. 
I would never have agreed to this transaction had I seen this prior to Solar panel installation and all the lies I was told by the contractors. I have spoken and emailed XXXX ( that's the only contact I could get ) There's so much to tell, including the signatures on the contract were NOT mine but this is the main complaint that I have made to XXXX. I have waited for months for a reply. Thank you, XXXX XXXX XXXX
Product: Credit card

On XXXX reviewed my accounts in my Citibank app. Noticed my Citi Thank You card was cancelled. Called they closed due to 12 months inactivity and XXXX balance ( supposedly in their XXXX XXXX XXXX ). Called to reinstate had to reopen new account and confirm info even though I have other Citi cards and have banked with them for consumer and business banking. Thirty years a consumer client and a business client since XXXX. So now a hard inquiry will decrease my credit score and I am inconvenienced because a card was closed without reaching out. Have spoke to over a dozen people at Citibank. Does this classify for a class action suit. Have an 800+ excellent credit score and 30 year history with the bank in excellent standing. 

Now they will negatively impact my credit score and cause huge inconvenience!
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a serious violation of federal law under 15 U.S.C. 1666a regarding the reporting of disputed credit amounts to third parties. This statute explicitly prohibits reporting a disputed amount as delinquent until all the requirements outlined in 15 U.S.C. 1666 are met, including notifying me of your findings regarding the dispute and providing me sufficient time to pay any remaining undisputed amounts. 

Despite my written dispute submitted to GM Financial, I have observed that the disputed account has been reported as delinquent to XXXX a third party, adversely affecting my credit standing. Such actions contravene the provisions of 15 U.S.C. 1666a ( a ), which requires that no delinquency be reported until : The billing error is resolved as mandated by 15 U.S.C. 1666.

The obligor ( me ) is given a grace period to make payment on undisputed amounts.

Additionally, under 15 U.S.C. 1666a ( b ), if a creditor reports a disputed delinquency, it must simultaneously report the fact that the delinquency is in dispute and notify the obligor of each third party receiving this information. GM Financial has failed to meet these obligations, further violating my rights under this statute. 

This improper reporting has caused me to not be able to obtain credit as well as a decrease in my credit score and a denial of credit opportunities. These actions may constitute not only statutory violations but also potentially deceptive practices under consumer protection laws.

I'm requesting immediate action to : Remove any negative or delinquent reporting of the disputed amount from all third parties.

Provide written confirmation of the removal and compliance with the requirements of 15 U.S.C. 1666a. 

Also XXXX XXXX has deleted this account from my consumer report, but XXXX is still reporting it. 

The dates that they have are inaccurate as well which is a violation of 15 USC 1681 ( a ) 1.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer credit report, I noticed that your agency has violated multiple regulations, entitling me to monetary compensation under FCRA 15 U.S. Code 1681s2 and 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Specifically, your agency furnished reports in connection with credit or insurance transactions that I did not initiate ( inquiries ). 

According to the law, a consumer reporting agency may only provide a consumer report for credit or insurance transactions not initiated by the consumer if : ( A ) The consumer authorizes the agency to provide the report, or ( B ) ( i ) The transaction involves a firm offer of credit or insurance. 

Furthermore, except as provided in section 1681g ( a ) ( 5 ), a consumer reporting agency can not furnish records of inquiries related to such transactions that the consumer did not initiate. 

Under FCRA 15 U.S. Code 1681n ( b ) ( B ), if a person obtains a consumer report under false pretenses or knowingly without a permissible purpose, they are liable for actual damages suffered by the consumer or {$1000.00}, whichever is greater. Additionally, punitive damages may be awarded by the court. 

I did not authorize any of these inquiries. If you believe otherwise, please provide copies of my written consent. The items listed below should be removed from my consumer report under 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
Product: Checking or savings account

On or about XX/XX/XXXX/16, a hold appeared on my bank account. I say on or about XX/XX/XXXX because the bank website keeps information only for 24 months, but I know that the hold was placed between XX/XX/XXXX16 and XX/XX/XXXX/16. The hold is for {>= $1,000,000}. I asked Chase Bank to take off the hold, but they stated it was a government hold and I would have to wait. I have waited three years almost and the hold is still there. The balance in the account per Chase is {$2100.00} but the available balance is {>= $1,000,000}. I don't know what to do to get this hold removed.
Product: Debt collection

I had a bank account 5-6 yrs prior to this incident that had a negative balance due to my inability to pay. I believed this account was closed and charged off by financial institution, and account had no activity for years. In XX/XX/XXXX, the financial institution sent me a check for {$79.00} on inactive acct. which confused me, but I was aware that the bank had sold to another company. In XX/XX/XXXX, I notice a debt for Net Credit on my credit report, and called them. I had not applied, authorized, or ever sought a loan with this company to be deposited into a inactive account I believed was charged off and closed years prior. I filed a police report on XX/XX/XXXX, and went to the bank to request records about the inactive account from the new company. I then call Net Credit questioning them why information was not verified before they released a loan, as my phone number, employment info. and banking info. had all changed. And the account that they deposited was inactive and not in good standing. The woman I spoke with adamantly stated they did verify all info., even verified my employment at a place I hadn't worked at for many years. I told her I'd love to see the documentation that was verified because i know for a fact the bank info was not verified as the account had been inactive for years. She then states someone close to me must have stolen my identity. I absolutely feel like that is XXXX, from complaints I have seen there seems to be a pattern to what they do unlawfully and then claim identity theft. They are committing the identity theft and someone really needs to look into this matter. I know matter of fact that verification of a active checking in good standing is required on loans. I would not apply for a loan on a account I believed was charged off/closed years earlier.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXXXXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXXXXXX  Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX Account XXXX : XXXX/XXXX  Account Number:XXXX  Account Name : XXXX XXXX XXXX Account XXXX XXXX/XXXX  XX/XX/XXXX - Unauthorized Inquiry XXXX  XX/XX/XXXXXXXX  - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXXXXXX  - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I review my consumer report and notice there was a bankruptcy being reported or two of my credit report. The consumer reporting agency has assumed vital role and have a responsibility to report consumers information to the best of their ability with maximum accuracy. I have never filed bankruptcy but it saying I filed XX/XX/XXXX with XXXX  reference number XXXX with US bankruptcy, XXXX  XXXX court. But on my Equifax, it says I file bankruptcy XX/XX/XXXX. with federal court. Reference number. XXXX. The dates file and reference numbers are not even the same. I have included a Screenshots and sent this complaint on. XX/XX/XXXX. Please investigate and provide proof which shows the bankruptcy is mine. If no proof cant be provided I demand the bankruptcy be removed from credit profile Thanks please see attached screenshots.
Product: Debt collection

Recent review of my credit is showing debt that I have signed for and unaware. This debt is hindering. I have tried to speak with the companies in regards to this matter and to no avail. I want all items removed from the 3 credit bureau asap These companies are leaving with no other options to seek legal counsel with the purpose of suing.
Product: Credit reporting or other personal consumer reports

LVNV Funding is inaccurately furnishing an alleged debt they purchased. I have no agreement with them, no contract, and have given them no consent or permission to report anything on any of my consumer reports.

Please have them remove the account and follow the cease and desist letter I mailed to them.
Product: Credit card

Opened XX/XX/2023 for the amount of XXXX dollars as soon as I found out about it I contacted the company and asked them to close it and have it removed from my credit report
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 accounts listed 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 : also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXX XXXX XXXX XXXX Late payment XXXX, XXXX account never been late. 
XXXXXXXX XXXX XXXXXXXX Late payment XX/XX/XXXX account has never been late. 
XXXX XXXX - XXXX Closed Account account -May XXXX, XXXX agreed to remove the account from report but closed the account instead. 
XXXX XXXX XXXX XXXX ) -Jul 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 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

On XX/XX/XXXX, I signed an auto financing agreement at the dealership XXXX XXXX XXXX La XXXX and the bank Santander Consumer USA for a XXXX XXXX XXXX. 

I payed a {$1500.00} down payment and agreed on paying $ XXXX for XXXX term of 72 months starting XX/XX/XXXX. 

On the XX/XX/XXXX, my car was repossessed from my house with no prior correspondence. After further investigations, I called Santander to inquire if they have the car and they confirm that they repossessed the car due to failure of receiving payments. Santander claims that they do not have any contact information for me except for my phone number. They claim that they called my phone numerous times and sent me several mails. 
I hereby confirm that I have not received any calls from Santander. I also did not receive any mailing correspondence from them, and that after confirming with UPS they had the incorrect mailing address and all mail letter sent were returned to them. They also did not have my email. 
Santander submitted reports to the credit union regarding late payments and repossession of the car, which has severely impacted my credit score, which has decreased from XXXX to XXXX. They also declined my request for installment and request that I submit a full payment of {$24000.00} before XX/XX/XXXX. 

I believe these claims are invalid because of the following : XXXX I did not receive any correspondence from Santander regarding this. 
2- Santander did not have my correct mailing address or my email. 
3- efforts should have been made to contact the dealership to get my correct contact information. 

Additionally, no correspondence until this date has been sent to me to obtain my personal belongings that were in the repossessed car. 
Santander have numerous similar lawsuits and allegations for similar claims that can be found publicly online. Unfortunately, I was the victim of their predatory conduct. I am currently pursing legal actions against Santander. I have no problem in paying the monthly installment as I am a physician and I work at MD XXXX XXXX XXXX. I would appreciate your help in removing these claims as it has severely impacted my credit score and also due to the fact that Santander did not reach me either via email, mail or phone to get the correct credit card number. 
Please feel free to call me at XXXX to discuss further if needed. 

Thank you so much
Product: Credit card

On XX/XX/XXXX I called CapitalOne Customer Service regarding the promised reward on their XXXXXXXX XXXX XXXX credit card which I had signed up for in XX/XX/XXXX. This was in response to their advertised on the internet offer of a {$200.00} reward if customers spent {$500.00} in the first XXXX months of receiving the card. Between XXXX and XX/XX/XXXX I actually spent {$1700.00} but received no reward as promised in the promotion. The Customer Service employee tried to first say, the reward was not attached to the card. He suggested it was not included and that I may not have qualified for the reward. I responded that the only qualification indicated in the offer was an expenditure of {$500.00} in the first 3 months. I requested to speak to a supervisor and was told they had to submit an internal complaint and that a supervisor would call or e-mail me a response. I requested both media. 
On XXXX, XXXX, a supervisor called to say there was no rewards with my card. She then attempted to say there were several types of XXXX cards and suggested this card XXXX have been issued as a " Good Credit '' card. While she admitted she had no knowledge regarding my credit, she explained that he later type XXXX card is issued to participants who needed credit. I am XXXX XXXX XXXX and have had credit cards all my life. I expressed my displeasure feeling I was a victim of " XXXX XXXX XXXX ''. In fact, when I XXXX XXXX XXXX XXXX card online, XXXX had several customer complaints regarding this very card. I ask CapitalOne to " say what you will do and do what you say ''. This rewards promise has not been kept to many of us in the public who responded to this offer. I desire that CapitalOne be held accountable for, in my opinion, a false promise. When there no " disclaimers '' to the contrary a business must fulfill their promise to the public.
Product: Bank account or service

On XXXX XXXX, 2015, I cashed a check at Bank of America for XXXX. I received my cash and left the back. Following this I received a message from the bank telling me that they were debiting my account for an additional XXXX, stating that the check had been cashed for XXXX. I tried resolving this by phone and at the branch. I am attaching a copy of my check and the letter received from the bank.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle 's handling of disputes, in light of the recent lawsuit with CFPB.
Product: Mortgage

My wife and I submitted a mortgage application to Wells Fargo Bank for an Investment Loan in early XX/XX/XXXX. The mortgage was approved by Wells Fargo Bank per a commitment letter dated XX/XX/XXXX. The letter noted that as a Condition of Loan Approval Lender to receive a Satisfactory HOA Certification/Form 921. The condition was noted as SATISFIED. 

In XX/XX/XXXX I received notice from the HOA that my wife and I were in violation of the HOA CCNRs. At the time I reached out to Wells Fargo Bank for assistance and for a copy of the completed HOA Questionnaire Form 921. After several months and multiple follow up requests I received a copy of the Form in XX/XX/XXXX. The form indicated that Wells Fargo were informed that the property could not be sold and meet the conditions of my mortgage application. However, Wells Fargo Approved and Funded my Loan in violation of the HOA CCNRs. In the months I waited on the document from Wells Fargo I incurred significant Legal Fees ( {$37000.00} plus {$2300.00} in travel costs ) in working through discussions and arbitration with the HOA. 

On XX/XX/XXXX I submitted a complaint to XXXX XXXX XXXX, CEO Wells Fargo Bank. My complaint reflects that Wells Fargo did me wrong in approving the mortgage loan in light of the information that the Bank received from the HOA. However, the Bank approved and funded the loan and I since incurred significant legal fees as a result. My legal fees were also higher as a result of the time it took Wells Fargo ( over six months ) to provide me with the requested HOA documentation.

My complaint therefore asked Wells Fargo to compensate me for the legal costs I incurred as a result of their failure to perform their due diligence and fiduciary responsibilities entrusted to the bank. Since submitting my complaint to XXXX XXXX I have received similar updates as I did in XX/XX/XXXX with the bank continuing to push out the expected response date to my complaint : Summary of Correspondence : 1. My Complaint Letter to XXXX XXXX XXXX XX/XX/XXXX 2. Update from XXXX XXXX SVP WF Home Lending XX/XX/XXXX Response Due XX/XX/XXXX. 
3. Update from XXXX XXXX, Customer Care Recovery Group XX/XX/XXXX New Response Date pushed out to XX/XX/XXXX 4. Update from XXXX XXXX, Customer Care Recovery Group, XX/XX/XXXX New Response Date pushed out to XX/XX/XXXX XXXX. Update from XXXX XXXX, Customer Care Recovery Group, XX/XX/XXXX New Response Date pushed out to XX/XX/XXXX This is the same type of delay I experienced from Wells Fargo in XX/XX/XXXX when I was simply looking for a copy of the HOA Questionnaire/Form 921. Wells Fargo continued to delay, delay and ultimately the response cost me incremental legal fees, frustration, pain and suffering that I fear will continue again without the CFPBs help and support. 

I believe I should be compensated for the costs I incurred as a result of the Bank errors and I would very much appreciate your help to bring this matter to a resolution.
Product: Mortgage

Chase reported derogatory payments on my mortgage I contacted them and they indicated they would correct the problem but did not. Did not provide any documentation supporting their conclusion
Product: Mortgage

My husband passed away 18 months ago. I applied for hardship on the mortgage due to a drop in income ( it was approved by PNC ). My payment is due on the XXXX. I pay it on the XXXX, in person because that 's when Social Security comes in. I get call from their collectors on the XXXX, XXXX or XXXX saying I 'm late and that they will foreclose on me. It 's always paid by the XXXX and never in a default stage. I 'm XXXX and I think this is harassment. 
They even call on the XXXX after I made the payment on the XXXX. They do n't check!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name : XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  and XXXX XXXX XXXX # XXXX. I have contact the FTC and my local police and I am doing this on my own behalf.
Product: Debt collection

I have no knowledge of this debt. Please provide physical proof, original contract with my signature on, any and all cancel checks, I'm requesting for a debt validation of this debt or delete the negative report off my credit.
Product: Debt collection

Had a accident in car an toll my car out insurance expired an they want me to pay the remaining balance