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

I opened multiple accounts with ETRADE back in 2020 ; savings account, and accounts to trade stocks. Thursday XX/XX/XXXX I requested funds to be transferred out of my account and into a bank account I provided ETRADE the information for the wire. This transaction has yet to take place. I was told the account will be under review for 24 hours and would be released after that. At this point, 12 days later, all of my accounts and funds are not accessible. It has been requested of me by ETRADE to provide identification, a letter of intent and various questions be answered so they will release my funds. These requests have been completed multiple times, multiple representatives in the account activation department have been talked with, XXXX. Every time we talk I provide what they ask and I am told they will call me back. I have requested to be transferred to a manager or a person that can resolve the matter. Every time I get the same answer, there is no one they can forward me to, the account is in the back office for review, they have all the information they need and will call me back to resolve the matter. 

At this point I am unable to even log into any of my accounts, I can not see what is being done with any of my money, I am unable to trade any positions of stocks I hold. 

I need direction on how I can proceed to get my money from them. Currently they have {$130000.00} held where I can not even view it.
Product: Debt collection

I 'm receiving letters from Pressler and Pressler claiming to represent XXXX XXXX XXXX services. They claim that it 's a subpoena and ordering me to state my finances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX Date OpenedXXXX Balance : {$1000.00}
Product: Credit reporting or other personal consumer reports

I am disputing the following accounts due to their erroneous and negative reporting, which is in direct violation of the Fair Credit Reporting Act. These inaccuracies are adversely affecting my credit report and must be corrected immediately by Experian, XXXX, and XXXX.
Product: Vehicle loan or lease

CFPB Complaint Packet : XXXX XXXX XXXX I am filing a formal complaint against XXXX XXXX XXXX regarding a predatory auto loan contract that violates multiple Kentucky and federal laws. 
In XX/XX/XXXX, I financed a XXXX XXXX XXXX XXXX through XXXX XXXX Acceptance after purchasing the vehicle from XXXX XXXX XXXX XXXX in XXXX XXXX. The contract reflects a XXXX % APR, despite XXXX  XXXX capping interest at 19 % for loans under {$15000.00} ( XXXX XXXX ) and limiting finance charges under XXXX XXXX for used vehicle installment sales. 
The vehicle was listed at {$12000.00}. I provided a {$2000.00} down payment. However, XXXX structured the loan as if I financed the entire price and then added a {$1000.00} XXXX insurance fee, a {$580.00} doc fee, and a {$22.00} filing fee-bringing the 'amount financed ' to {$12000.00}. This fraudulent structuring artificially pushed the contract over {$15000.00} in order to justify the illegal interest rate. 
XXXX was not the originating lender but accepted the contract and continues to enforce it. After I sent a formal legal dispute letter, XXXX responded by defending the terms and threatening repossession, despite clear notice that the contract violates state and federal lending statutes. 
In their XX/XX/XXXX reply, they cited XXXX XXXX, ' a statute that does not exist. If they intended to reference XXXX XXXX instead, then the contract also violates that statute. 

This false citation and their denial of any wrongdoing in the face of a clear legal dispute is an act of gaslighting, misrepresentation, and continued predatory enforcement. This has caused me severe financial and emotional harm. 
I am demanding a full loan rescission and enforcement review. I am also submitting supporting documents including the full retail installment contract and XXXX 's XX/XX/XXXX response letter. 

Legal Violations : XXXX XXXX XXXX has violated the following : - XXXX XXXX : Charging interest over 19 % on a loan under {$15000.00} - XXXX XXXX : Exceeding maximum finance charge allowed on used vehicle sales- XXXX XXXX : Engaging in unfair, false, misleading, and deceptive trade practices- Truth in Lending Act ( TILA ) : Failing to clearly disclose finance structure and violating required disclosures - XXXX XXXX : Entitling me to civil action for damages under the Kentucky Consumer Protection Act
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information on my credit file. The items I need deleted are listed below. All of these inquiries were unauthorized. 

Fraudulent Inquiries : Inquiry Name : XXXX XXXX XXXX Open Date : XX/XX/2022 Inquiry Name : XXXX XXXX XXXX  Inquiry Open Date : XX/XX/2022 Inquiry Name : XXXX XXXX XXXX Open Date : XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A States I have 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.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit card

I checked the mail. I received 2 pieces of mail from " Bank of America. '' The first piece of mail was a credit card in the mail from " Bank of America. '' It said call to activate. The second piece of mail said to " please call us right away at XXXX we've detected suspicious activity on your credit card and as a precaution, we've temporarily suspended your account. '' I called various times. I'm at work so I'm trying to find the time to follow through all the way with the call. I looked at my XXXX XXXX account and see that I have a new credit line for {$6300.00} spending limit. I finally talk to someone and they ask for my phone number. I give it to them and then my name. They say they'll put me on hold and call me back while I'm on hold. For some reason the call wasn't working. So I didn't bother. I called later and this time one of the representatives asked for my social. I hesitantly gave him my 1st 3 and then backed out and said to myself " this sounds sketchy. '' I hung up. I check the number ; the number the website is associated with ; " Bank of America. '' There's a lot of reviews on XXXX saying that it's a fake number. That it's a scam. So I start to panic. I call them back and this time when they asked for my social they knew the last 4. So I hung up. Started researching what the XXXX the real Bank of America number was. It turns out, it was none of the ones on the card. I called these : XXXX, XXXX, XXXX, XXXX. They're all fake. I took every precaution in the book. I looked up XXXX videos on what to do. I did the following : I contacted the police. 
I froze all my credit lines and set up fraud alerts Changed a bunch of passwords and set up 2 step verification for all of them Checked XXXX 's dark web search feature. It said that in 2019 XXXX had a leaked. Unrelated, I recently went there by mistake exactly the same day ( XX/XX/XXXX. It's now XX/XX/XXXX ) the credit line was opened. I have a strong suspicion my info might have been leaked. 
Filed an identity theft report at identitytheft.gov Checked with XXXX XXXX dispute center. 
Went to the real Bank of America to see if I had an account there and the teller said no. 

Now I'm here writing about it. 

I know there's a of red flags on my part, but a lot of this happened while multitasking. While my mind was preoccupied with various other tasks.
Product: Student loan

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, XXXX XXXX XXXX XXXX. I attended from XXXX. As a matter of fact, XXXX XXXX XXXX XXXX, was investigated by XXXX for XXXX XXXX XXXX XXXX XXXX. It is a part of the XXXX XXXX XXXX XXXX Lawsuit. 
Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, XXXX XXXX XXXX XXXX, Other students were able to file a Borrower Defense claim with the Dept. of Education against XXXX XXXX XXXX XXXX, and their Fed. loans were discharged and credit repaired. 
My Borrower Defense Claim was also part of the XXXX XXXX XXXXXXXX settlement for which I was a full class member. 
I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early 2000 's. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least 150 for profit online schools. After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. Why do we need to prove anything? Navient knows who we are. Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a dispute with equifax on three different accounts in charge off that had inaccurate information reported for over 2+ years ; and instead of taking the 30 days to investigate. Equifax immediately on XX/XX/2022 allowed the data furnisher to modify the credit report to update the information they failed to report accurately in the first place. And because the accounts were reported incorrectly I requested the accounts be removed but instead modified the information and refuse to change it. 
I have also submitted disputes with XXXX but once their investigation was complete their dispute center and telephone service refuses to let me submit another dispute. 

XXXX  XXXX : {$770.00} XXXX XXXX : {$530.00} XXXX XXXX  : {$260.00}
Product: Credit reporting or other personal consumer reports

I believe that my personal information has been reported to your database without my explicit consent or authorization, which constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. 

Under the FCRA, consumer reporting agencies such as ChexSystems are required to have a permissible purpose to obtain and report consumer information. I have never granted any consent for my information to be reported to ChexSystems, and I am requesting immediate action to rectify this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several attempts to have Equifax comply with 15 USC section 1681b & 1681 ( 2 ) ( a ) ( i ). My last correspondence was made XXXX. Equifax has shown no attempt in comply.
Product: Mortgage

Back in XXXX, in the midst of the recession, both myself and my wife lost our jobs. We had a mortgage for the property at XXXX XXXX XXXX, XXXX, CA, XXXX, with XXXX XXXX ; after hearing about numerous programs to help with situations like ours, we contacted XXXX XXXX to get assistance with payments and try to get a loan modification. At the time, we had managed to stay up on our payments, but we wanted to be proactive because we were days ways from not being able to make our mortgage payments. 

Long story short, after being placed on a temporary new payment plan, at least three denials for modification, then finally, the modification went through in about XXXX. Since it had been years without making full mortgage payments, we were neglected to be told that we would need to back pay everything underpaid. This amounted to a large sum that was rolled back into the loan as part of the modification making our payment when it was all said and done HIGHER than it originally was. 

The mismanagement of our multi-year modification nightmare with next to no communication led to us finally getting foreclosed on in early XXXX since our income never recovered to what it was pre-recession, and our payment ended up being higher than before the modification. We experienced financial hardship, destroyed credit, and emotional distress through the entire, almost 5-year fiasco and since.
Product: Credit card or prepaid card

My payment is due on the XXXX of each month, I've not missed a payment. Just paid more than what was required and saw that they had added a late fee today {$39.00}. I called and spoke to a customer service rep, XXXX and he stated although it is the XXXX it is late because of the time zone. What nonsense is that, It's not XXXX which would be the next day, but it's XXXX my time XXXX there's. Capital one should NOT be able to get away with charging a late fee ON the due date. If the date states the due date regardless of the time and it's before midnight, they should be accepting payment without a late fee.
Product: Checking or savings account

Wells Fargo engages in criminal misconduct with the management of my account. Furthermore, Wells Fargo does not comply with banking regulations with respect to handling consumer disputes. More to the point, Wells Fargo Bank flat out lied with respect to XXXX ( XXXX ) disputes issues with the bank. See attached. The disputes specifically surrounded " Goods or Service not as advertised/described/expected, '' or otherwise criminal in nature or not within the stream of commerce regarding expected behavior. Wells Fargo, which is Woke aligned, or otherwise criminal in nature, responded a few short days later, alleging that the " Items were authorized. '' This is a misrepresentation. Furthermore, as of XX/XX/year> Wells Fargo has, now, refused to allow me to initiate a dispute against the same criminal actor XXXX  ( XXXX ). These actions, again, are criminal in nature and entirely inconsistent with consumer/banking regulations.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX and XXXX listed XXXX on my credit file as a charged off account listing me as an authorized user. I did not approve of being listed as an authorized user. I never once gave my approval to XXXX XXXX list me as an authorized user on any accounts. This is a violation Also, Transunion, XXXX and XXXX has listed SOS Group on my credit file as well I never once received any notifications to validate debt I have two health insurances and was told I wouldnt have a balance SOS Group is reporting inaccurate information and account I know nothing about which is also a violation
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received correspondence from Central Credit Services LLC dated XXXX XXXX, 2015, XXXX XXXX XXXX about a debt to XXXX for {$110.00}. I had no idea that I owed this, as this was the very first thing I have received about this debt. In this paperwork it stated that if no payment was made that this would be reported to the credit bereau in 45 days. I made one payment on XXXX XXXX, 2015 for {$25.00} and was just about to make another payment when I received an alert from XXXX XXXX which alerted me to this being reported. This should have never been reported since I made a payment before the 45 day period had ended. I contacted this collection agency twice about getting this removed from my credit reports and both times I was denied. I paid the balance owed on XXXX XXXX, 2015 which was {$94.00}. My point here is I made a payment before the 45 day period ended and if you really want to get technical I paid the entire balance within the 45 day period. 45 days from XXXX XXXX is XXXX XXXX. I feel I am being treated unfairly and I would like this removed from my XXXX, XXXX & XXXX reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is committed fraud against my Trust and Estate Full faith in Credit by reporting false information on my report. I aquire my home at XXXX XXXX XXXX XXXX NY XXXX, on XX/XX/2020 via Promissory Note which is to be considered to be the same as cash in accordance with 1882 Bills Of Exchange Act. The Debt has been paid in full, The Debt of Exchange has been signed, sealed and delivered to Veterans United Homes Loans, its not fair that Transunion are allowed to report this fraud against my Trust and Estate
Product: Prepaid card

Received large amount Amex XXXX XXXX, the instructions during balance checking and the FAQ state you can use these cards everywhere Amex is accepted. 

this appears to be false, this was even stated by their customer support line, who states if it's declined at a business or online, to just " go shop somewhere else ''. 

Card brand rules state pre-paid cards are same as cash, and as long as the merchant accepts that card type ( in this case American Express ) it should be accepted. 

the Amex XXXX XXXX support line states that due to increased risk and fraud, cards should now only be used in person. which is not what they advertise when you purhase these gift cards.
Product: Mortgage

10.24.2017 I called dovenmuehle mortgage to resolve payment by due date. They misapplied my last payment. Did n't send me a statement for XXXX due date. And now they want to charge me a fee for giving them a payment over the phone to rectify their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I switched to another car insurance company because the payment was too high and then they report to collection company.I try many times to resolve this problem with the credit bureau ( equifax ) nothing resolve. 

You can not open a dispute. The web page does not allow it for me. This is a way to steal money from people within a legal aspect. 

They report on XX/XX/ I got insurance other company by XX/XX/.
Product: Credit reporting or other personal consumer reports

To whom this may concern, after checking my credit reports I have found some false inquiries listed on my most recently reviewed consumer reports, there are unverified inquiries that does not have accounts attached. Also, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 
Inquiries Listed Below : 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 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 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 I want to be explicitly clear with my request. I am not requesting validation of debt, but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these inquiries reasonably investigated in accordance with both the Fair Credit Reporting Act and the Fair Debt Collection Practice Act. Starting XXXX days from the date on this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the inquiries from my consumer report without prejudice.