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

My XXXX account which is linked to customer bank was closed with my direct deposit and saving totaling {$21000.00} in XXXX. I contacted the XXXX XXXX XXXX, and they were supposed to do an investigation and then send an email of the results. I have not received any email and i even called them to check again XXXX  months later and they said they are still investigating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX XXXX several times for incorrect information. On XXXX/XXXX/XXXX I filed a complaint with CFPB and on XXXX/XXXX/XXXX I received an email from CFPB with the result of Equifax investigation saying that as of XXXX/XXXX/XXXX XXXX shall be removed from my credit file. As of today it still remains on my credit file with all the incorrect information.
Product: Student loan

In response to the letter date XX/XX/XXXX 1. Loan Validation Direct loan servicing center ( XXXX ) has never sent an itemized balance sheet showing how much was paid and how much is left. 
If I have no loans serviced by Nelnet then why is Nelnet using XXXX XXXX and other agencies. Denying my status with social security. 
have never received a statement from XXXX to show my loan balances and occurring payments done from XXXX. XXXX XXXX  never sent a validation by fair debt standard. 
2. SSA Benefit offset I was legally XXXX XXXX in XXXX of XXXX. My last payment to XXXX was XXXX of XXXX. 
Attached is a test done in XX/XX/XXXX and was ordered by new york state office of temporary & XXXX   assistance. 
An independent specialist and my physicain  came up with two test that concluded I was XXXX  XXXX. 
My XXXX date was officially XX/XX/XXXX My review was scheduled for XX/XX/XXXX. 

that qualifies me for 5 to 7 year XXXX. 

So how can Mr XXXX of Federal student loan aid disqualify me when two independent specialist did the test. 




If we have received information from the Social Security Administration ( SSA ) indicating that you are receiving Social Security Disability   Insurance ( SSDI ) or Supplemental Security Income ( SSI ) benefits  and that your next scheduled XXXX review will be within 5 to 7 years from the date of your most recent SSA XXXX determination. 
If you are receiving SSDI or SSI benefits and your next scheduled XXXX review will be within 5 to 7 years from the date of your most recent SSA XXXX determination, but we did not contact you about a XXXX discharge, you can apply and provide documentation of your SSA notice of award for SSDI or SSI benefits or a Benefits Planning Query ( BPQY form 2459 ) stating that your next scheduled XXXX review will be within 5 to 7 years from the date of your most recent SSA XXXX   determination. 



3. XXXX Applicaton Status My XXXX has certified and sent the necessary paperwork
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I I was at XXXX XXXX XXXXXXXX in XXXXXXXX XXXX Where I was looking to purchase a pre owned Car. I ended up purchasing a car that Day and during the process I incurred six hard pulls Across the three credit bureaus XXXX Equifax and XXXX. End result I ended up approved and And taking out a loan that day from The lender that was best for me. Being that I was categorized as approved over For financing I am requesting that all hard poles be removed By all three credit bureaus In good faith As All they do is cause a negative impact on my score For no reason As in the end I left with a car that day And as I said I was approved. Please see attached document Proving my acceptance and approval For financing from the Company I ended up choosing to Purchase my vehicle that day.
Product: Mortgage

SLS served us with foreclosure papers XX/XX/XXXX. Since then my wife and I filed for bankruptcy and our lawyer faxed SLS Financial records they asked for to do mediation. SLS never acknowledged receipt of the financial records and filed a relief from stay on bankruptcy. They are trying to move forward with the foreclosure with out mediation. That is a violation of Vermont foreclosure mediation law and violation of the Consumer Financial Protection Act of XXXX. They are harassing us with phone calls after we told them not to call us. They are also sending documents from lawyers every week or more. Also they charged {$15000.00} for fees and interest last year ( {$30000.00} for previous 8 years ).
Product: Checking or savings account

Closure Date : XX/XX//2016 Charge off Amount : {$1000.00} I contacted them to understand the charges but they refused to disclose the information and said it was sent to collections.
Product: Checking or savings account

I received mail from Citi Bank on limited time offer on opening a checking account with an enticing promotion, I went to the link ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and spent time to fill out the form. The immediate response was that my application was denied. No reason given. 

This makes realize that this is but a trick Citi Bank use to collect consumer information to whatever purpose later on.
Product: Credit reporting, credit repair services, or other personal consumer reports

File # XXXX The Following Inquiries have been placed on my report without my authorization ; written or verbal and I have requested removal. Transunion responds only to tell me what an inquiry is. My concerns have not been given the needed attention to be addressed. 

The following inquires should be removed : XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX- I did not request this. This item should be removed from my file per fcra. I was sent this card in error and immediately had this account closed as I did not authorize this. 

XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - these were supposed to be coded as soft inquiries for account review and should therefor be removed per FCRA XXXX XXXX XX/XX/XXXX, XX/XX/XXXX - I did NOT authorize these two inquiries and requested removal per FCRA XXXX # XXXX - This item is reporting as current or paying and is misleading as if I still have this account. However, this account has been closed for at least 4 years and was absolutely never late. I requested this inaccuracy be deleted from my file
Product: Credit reporting or other personal consumer reports

I recently received a copy of my Experian credit report on XX/XX/2024, and I noticed credit card utilization posted on my credit report.Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer report, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( a ) In accordance with the written instructions of the consumer to whom it relates.

I did not give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. - Except as provided in paragraph ( 3 ) the term consumer report does note include - ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting or other personal consumer reports

According to the fair Credit Reporting ACT ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove these items from my credit report. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO
Product: Credit reporting, credit repair services, or other personal consumer reports

Having been through ID theft, in which the individual opened accounts at credit reporting agencies, I was unable to get my own credit reports. This has been resolved with two of them. However, Equifax will not allow me my credit report because APPARENTLY someone opened a credit card account I am unaware of ; and questions regarding this fraudulent account are part of the ID verification process to gain entry to my report. I've written and called them, explaining the verification questions refer to accounts I have no knowledge of. However, since I can not provide info regarding the accounts they won't even discuss it with me. XXXX XXXX. Help please, how can I get around this to see my own Equifax report, AND see what fraudulent accounts have been opened, to dispute them? It's been going on for a number of years
Product: Credit reporting, credit repair services, or other personal consumer reports

hi, my name is XXXX XXXX, I was applying for a refinance loan for my vehicle with a company called ALLY XXXX and this company did a 4th time inquiry check on my credit when it must have been one time and not four, this is affecting my credit in a really wrong way, I tried to communicate with the company and they didn't give me any answer.
Product: Credit card or prepaid card

Dear Sir/Madam, I am writing to formally request your assistance with a matter concerning a fraudulent transaction that occurred on my PayPal account in 2019. The transaction in question was initiated by XXXX XXXX, and despite my efforts to dispute the transaction through PayPal, they have denied my dispute and are now attempting to send me to collections. 

On around XX/XX/2019, I noticed an unauthorized charge on my PayPal account for {$300.00}. I immediately reported the transaction as fraudulent and initiated a dispute with PayPal. Despite providing all the necessary documentation and evidence to support my claim, PayPal denied my dispute, citing insufficient evidence of fraud. 

Since then, I have attempted to resolve the issue by contacting XXXX XXXX and providing them with the same documentation, but they have been unresponsive and uncooperative. As a result, the unpaid balance remains on my account, and PayPal is now threatening to send me to collections. 

As a consumer, I have made every effort to resolve this issue directly with both PayPal and XXXX XXXX, but my attempts have been met with resistance and denial. I am requesting the intervention of the Consumer Financial Protection Bureau to help me resolve this matter, as I firmly believe that I am not responsible for this fraudulent transaction and should not be held liable for the associated charges.
Product: Credit reporting

I have been repairing my credit for 5 years. XXXX and XXXX work wonderfully and erroneous items are being removed at a good pace. My XXXX score is XXXX, my XXXX score is XXXX ... ..and wait for it ... .my Equifax score is XXXX and it does not move. They are violating my rights under the laws that they must live by ; they must response in a certain period of time and they are not. THEY MUST PROVIDE ME WITH MY ORIGINAL SIGNED CREDIT APPLICATION, ALL STATEMENTS ITEMIZING EVERY CHARGES, AND A COMPLETE ACCOUNTING OF ALL FEE, ETC ASSESSED TO ME - THAT IS THERE OBLIGATION IF THEY WANT TO BE IN THE BUSINESS THEY ARE IN. They are not doing this and the are not sitting on the process while XXXX and XXXX are doing a great job. I am getting ready to sue Equifax for financial damages in the form of high interest rate loans do to their refuse to comply with the law that governs them. They said they have no record of me ( that 's a stall ) ; I 'm XXXX years old, they had over XXXX trade lines on me. I am calling the governors office in XXXX next, this is criminal.
Product: Debt collection

after my legal separation from my husband he started to open credit in my name with no permission I have a legal case against him but can not find him he has ruined my life his name is XXXX XXXX XXXX   remove I have disputed by mail with all three credit bureaus. act # XXXX and act # XXXX
Product: Credit reporting 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.

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: Student loan

Forberance period expended. Tried to request financial hardship assistance due to lack of income. Denied.
Product: Credit reporting

I have disputed an inaccurate reported item from XXXX, through TransUnion, twice. 
At both occasions TransUnion is stating that as a result of the investigation, XXXX has verified the account information as accurately reporting. As a second step towards having this adverse innacurate item removed, I have contacted several times XXXX 's department of dispute ; 1., they are saying they no longer handles disputes sent to XXXX and 2., they are saying that TransUnion has never contacted them in regards to this specific matter. 
In order to take a 3rd step towards XXXX and file a law suit, I need documentation from TransUnion showing that the investigation has been done, and what steps were involved during the investigation. However, TransUnion 's head department is refusing to provide me with any documentation showing the steps taking towards this dispute 's investigation, and at one instance I was even told that there 's no investigation, they only send a courtesy email to the creditor asking to review the information reported.
Product: Student loan

Loan from XXXX University and I have never attended school there. A duplicate loan from XXXX XXXX College made after I left. XXXX semester, XXXX classes and XXXX {$5900.00} dollar loans. XXXX at the beginning of the semester and XXXX after I had left the school. Only the first XXXX is legitimate and has been paid.
Product: Credit card or prepaid card

From the depths of corporate greed, a card emerges, a card so utterly steeped in excess that it reeks of contempt for its very users : the American Express Platinum Card. With its exorbitant annual fee of {$690.00} + {$150.00} for additional member, this card is nothing more than a brazen cash grab, designed to ensnare the unsuspecting with the promise of exclusive " perks '' while shamelessly emptying their wallets. 

The card claims to offer its members a litany of high-value benefits, such as airport lounge access, elite hotel status, and travel credits. However, upon closer inspection, one quickly realizes that these so-called perks are nothing more than a series of hoops that cardholders must jump through, with countless terms and restrictions rendering them virtually unusable for the average person. 

XXXX XX/XX/XXXX  : The direct website of a 5 star hotel was {$520.00} cheaper than Amex travel fine hotel and resort collection when I booked using my Amex Platinum card. Now the Amex perks are no longer valid since I booked directly with the hotel and not Amex travle. They are window dressing their perks like in such a way that we, the customers, are clearly paying for it! Amex provides poor service. It is not even immediately apparent when we click on the so-called perks as follows and terms and conditions. 

In summary, the American Express Platinum Card is a shameless display of corporate avarice, masquerading as a luxury product. The benefits it offers are little more than bait to lure unsuspecting consumers into its trap, only to leave them saddled with a high annual fee and little to show for it. There are far better options available for those seeking a premium credit card experience ; do yourself a favor and steer clear of the Amex Platinum Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Showing late on my Equifax credit report as of XX/XX/22 please see image named Credit Report.jpg. This is incorrect.Tried starting a dispute on the Equifax website, but it isn't working. As you can see from attached documents this account was always in forbearance during this time. Please fix this. 
Thanks, XXXX
Product: Checking or savings account

Wells Fargo let somebody take XXXX dollars out of my checking account
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received an alert that I had a collections account on my credit report from Aldous and Associates. I never had any form of contact with Aldous and Associates in regards to this debt. I called Aldous and Associates and was given the run around about this debt and everytime I asked to speak to a supervisor I was put on hold for XXXX minutes and that's when the call always dropped. I paid this debt off with the original creditor XXXX XXXX XXXX XXXXXXXX XXXX. 
I need Aldous and Associates to remove this collections off my credit report immediately.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX to XX/XX/XXXX, my questions and concerns ( or disputes ) regarding my XXXX  XXXX XXXX and XXXXDept. of Edu accounts have been redirected, ignored, reversed, denied, deleted, and added back to my consumer credit report with Equifax. This has been an on-going issue for over 1 year. The Agency will not permanently honor and add these account under my XX/XX/XXXX XXXX  XXXX Bankruptcy as closed with no late payments since XX/XX/XXXX ; although, the agency has re-added the bankruptcy to my consumer credit report.
Product: Mortgage

I would like to file a formal complaint against Wells Fargo Mortgage for excessive, unreasonable, and erroneous mortgage charges and fees. 

I was recently informed by Wells Fargo Mortgage that my final mortgage pay off was received at/ around XXXX on Friday, XXXX XX/XX/2019, the day of my home sales closing in XXXX XXXX , TX. I was informed by Wells Fargo Mortgage that all pay offs received after XXXX Central Time will not be processed until the next business day. Given I previously lived in XXXX XXXX, TX, which is within the Mountain Time Zone, this arbitrary cut-off time of XXXX CT places an undue and unreasonable hardship on me because, in that time zone, I am already an hour behind. That is, I would have had to complete this home sale closing transaction much earlier in the day, much earlier than usual for these sorts of transactions in this area of the country/ time zone. That is, I would have had to get my title agent and his office to complete this transaction much earlier than they are usually accustomed. Again, this arbitrary cut-off time of XXXX XXXX CT places an unreasonable hardship and undue burden on me to meet this cut-off time given the time zone location of this home sale. 

In addition and as noted, I was told by Wells Fargo Mortgage that my pay off was not processed until sometime in the late afternoon of Monday, XXXX XXXX, after XXXX XXXX CT. As such, I was charged a full, additional day of interest. This additional interest charge was applied despite the fact that my pay off payment had been received Friday evening, XXXX XXXX, around XXXX XXXX  CT. That is, despite the fact that my pay off payment had been received on Friday, XXXX XXXX , Wells Fargo Mortgage failed to process this payment for an entire additional day. Thus, Wells Fargo Mortgage was completely derelict in their processing of my mortgage pay off payment in a timely manner, resulting in an entire day of additional interest expense.

These kinds of arbitrary and unreasonably time frames as well as this sort of derelict behavior in processing payments are the kinds of issues that give financial institutions a bad reputation as well as raise serious doubt as to their fiduciary integrity. These sorts of practices also appear predatory and abusive in nature, with additional fees and expenses that appear unwarranted and excessive. These are the sorts of unprofessional practices that raise questions as to the goals and intent of these financial institutions. 

I have attempted to address these unfair practices with Wells Fargo Mortgage, but thus far, all I have been told is that they will investigate this issue. Nevertheless, I am still liable for these additional interest fees. 

Consequently, I would like to file a formal complaint against Wells Fargo Mortgage regarding their implementation of arbitrary and unreasonable time frames and their failure to process payment information in a responsible, timely manner. 

Please let me know if you need any additional information. 

Thank you for your time and attention in this matter. 

V/R XXXX XXXX XXXX