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

I opened up a business checking account with First Horizon Bank in person on XX/XX/year>. I signed up for a {$400.00} bonus for depositing {$5000.00} within 15 days keeping the funds for 3 statement cycles and making 20 debit card transactions. Payout is supposed to be in 10 days after qualifying activities have been met as seen in the attachments. I have called and spoken with the banker who opened the account for me, XXXX XXXX and he stated that I did meet the conditions and should have been paid out in XXXX and it is now well into XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, XXXX forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and Transunion XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was also deleted from my XXXX and Transunion reports as well so in order to correct the inconsistencies between the XXXX, XXXX, and Transunion credit reports, the account needs to be deleted from the XXXX credit report. 

The information for this account listed on my credit report is : CREDITOR : XXXX XXXX XXXX, ACCOUNT XXXX, OPENED XX/XX/2018, BALANCE OF {$770.00}
Product: Vehicle loan or lease

I walked into XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX And paid a fee to walk away with a used vehicle XXXX the book value was never discussed with me of the vehicle prior to the buy. This car was reported to have a book value of XXXX they set it at {$9900.00} They sold this debt to mid Atlantic the holder of the debt I was not aware that I would be paying XXXX times what the car is worth. The car now has a book value of XXXX i had my car repossessed illegally this morning because I can not afford the high payments on this car XXXX, every other week. They are holding my property for ransom and asking I pay a fee for the belongings inside the vehicle which is my debt cards my wallet. Mid Atlantic has not reported correctly to all three credit bureaus and in the online payment system is blocked right now because of the repossessed vehicle. The online payment says 50 days past XXXX as of XX/XX/23 XXXX XXXX  and just now I logged back in a few minutes later and they are doing some fraudulent charges of upping the fees as I logged back in to see XXXX They are monitoring when I logged in and glitching the system to fool me into changing the fees more then what is actually due. The payment is XXXX, by-weekly and they are changing from XXXX to 51 days in a matter of seconds in their online portal. This is not the first time Mid Atlantic has done this. I have told them that I have a right to recind this contract due to all the fraudulent charges that I have incurred and illegal repossession of this old vehicle that I have paid off since the down payment of the sum of all charges. This is illegal to spike a price of an old car to XXXX times over the book Valu. The place where I first got it where I have the original paperwork from XXXX XXXX and I recently noticed a charge that I never knew about that included charges of XXXX of a shipping fee from pennsylvania to ship the car to Florida at the lot where I got this car from. I never knew of this. They never told me. Right now as I write this letter on the XX/XX/XXXX @ XXXX my car is gone repossessed. Mid Atlantic debt collection company is the most corrupt company around and so is XXXX XXXX where the car came to me from. I did not understand what I was signing initially and I was not given any documents stating my rights that I have a right to recind the contract. Mid Atlantic charging repossession fees of XXXX dollars to pick up the vehicle is illegal and changing the fee online on purpose within a matter of seconds I saw 50 days to 51 days and XXXX. To XXXX. To pay. They have blocked in the system to pay online and its because they want me to pay additional fees of the repossession tow guy place. Mid Atlantic phone number is XXXX ext XXXX or XXXX
Product: Mortgage

Background : I went thru bankruptcy, filed XX/XX/XXXX, and have made regular payments on the Subject property mortgage since the bankruptcy plan was accepted. Selene Finance is violating the Bankruptcy Plan in law and in intent by claiming back payments immediately due. I have worked hard to come back from bankruptcy. I have worked hard rebuilding my credit, by making one regular on-time payment at a time, over the past 8 years. Selene Finance took over this loan within the past few weeks. After years of making regular payments, and within weeks of taking over the loan, Selene is making an outrageous claim. Selene is claiming 16 months of back payments, for a total of {$16000.00}, due immediately. Both previous mortgage servicers, XXXX and XXXX, did not make this claim for back payments. On XX/XX/XXXX, Selene Finance immediately refused to talk with me after I accepted their request to record, and I reciprocally asked their permission to record the call. If this was all above-board, then recording should be acceptable. By emphatically and immediately discontinuing the conversation, one is led to believe Selene Finance is acting in ways that they would not want recorded. Selene Finance has already sent ( 2 ) notices offering help to avoid foreclosure, offering Deed-in-lieu, short sale, and other options. If these notices are not required by law for a new servicer, to a debtor with on-time payments, then I consider them financial bullying. Selene Finances actions are causing immediate harm in legal fees, and time spent dealing with this issue, which has not been an issue for the past 8 years.
Product: Credit card

I believe the account is invalid. US BANK needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to : any breach of agreement, failure of consideration, or material alterations and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. US Bank XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX # xxxxxx XXXX, XXXX LA # xxxxxx XXXX, XXXX xxxxxxxxxxxx XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I applied for a home equity loan from Discover Home Loans on XX/XX/. The purpose of the loan was to finance the construction of a new covered deck for my home and to consolidate some existing consumer debt. Shortly after applying, a family member offered to help with the deck which would substantially reduce the cost of the project and alter the amount I wanted to borrow. So, I de

cided to delay moving forward with the project until I can determine the cost of the project. In the nine ( 9 ) days
since, I have since received over 100 phone calls related to this application. The calls come in pairs that are 10 minutes apart every two hours or so throughout the day. I have notified Discover of my intent to delay the project and asked them to stop the calls to no avail. I worry they have sold information about my application or have somehow otherwise notified other mortgage originators of my application as the calls come from multiple numbers and continue despite my requests that they stop.
Product: Checking or savings account

Truist Bank has accessed my account overdraft fees on XXXX occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX ) ) in which the fee itself put the account into overdraft. These fees were accessed on pending transactions not after the transaction had posted. On each day noted above the ending balance of the transactions posted would have left the account with a positive balance. Truist was accessing all transactions that were in a pending status and because the math on the account was negative they began accessing fees. 

Per the CFPB website, the overdraft requirements are written as this : For purposes of this section, the term overdraft service means a service under which a financial institution assesses a fee or charge on a consumer 's account held by the institution for paying a transaction ( including a check or other item ) when the consumer has insufficient or unavailable funds in the account. 

My understanding of that requirement is that until the institution, Truist Bank, pays that transaction and it causes the account to go into the negative there should not be a fee accessed. In my understanding, the bank has not paid that transaction until it is posted. I attempted to clarify this with the Truist Support rep, but was unable to get a valid response one way or the other. They instead finally offered to pay back the overdraft fees ( 2 of them, which was not offered during my first call with their Support ). 

However, the intent of this complaint is for clarification on the banking practices. Per the CFPB overdraft requirements, when does the bank actually pay the transaction? If it is not until the transaction is posted then there are practices, logic, algorithms in play that are not consumer friendly and should be researched or further explanations provided to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lost job was unable to pay these bills so now they are on my credit report stopping me for moving forward XX/XX/XXXX THE CBE GROUP INC XXXX XXXX Ohio XXXX original collector XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX original collectors ) XX/XX/XXXX {$930.00} XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX original collectors ) XX/XX/XXXX tried too dispute them
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX about inaccurate and unverifiable items on my credit report. It has been over 90 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matters and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 90 days these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and having inaccurate information on my credit report is making the pre approval process very frustrating. Please assist in this matter. It would be greatly appreciated.
Product: Student loan

I am having a hard time contacting someone to tell me status about my loan discharge due to school closure.
Product: Debt collection

THIS IS NOT A DUPLICATE ACCOUNT. HOLLOWAY CREDIT SOLUTIONS, XXXX XXXX XXXX XXXX XXXX, AL XXXX This company is trying collect a debt that I do not owe. The have not provided me with a debt validation letter. They can not prove this debt belongs to me. THEY ARE NOT LICENSED TO COLLECT IN MY State of California. They have state to you that they would send me a debit validation letter and have failed to do so. 
HOLLOWAY SOLUTIONS REFUSES TO SEND ME A DEBIT VALIDATION LETTER AND MARKS MY COMPLAINT AS A DUPLICATE!
Product: Credit reporting or other personal consumer reports

la XXXX XXXX XXXX XXXX mi XXXX XXXX XXXX XXXX XXXX XXXX favor XXXX XXXX Please I need you to modify my account since there are unpaid payments and I have not been in the payment on the account to check my credit there are differences Please I need them to be modified since I have had my payments up to date in my XXXX XXXX XXXX. Thank you and in the credit XXXX there are different payments and which are not bank of america
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested on  XXXX ,  XXXX ,   XXXX   verification method FCRA, sec tion 611 ( a ) and ( 7 ) l etter to Transunion. never received requested information from Transunion. Transunion is still reporting on inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Good Morning, I have submitted a claim number XXXX, which CCO mortgage did nothing to answer. My complaint has XXXX issues. 1 ) My house was incorrectly appraised in XX/XX/XXXX. This is obvious by their appraisal in XX/XX/XXXX and again in XX/XX/XXXX. My house dropped by XXXX %, but my area dropped by XXXX-XXXX %. 2 ) CCO mortgage charged me 6.5 % interest rate but I was told it was drop down after two years. However, after two years they tried to not reduce it and sent me a letter to sign which would waive my reduction. That ca n't be legal. 3 ) After my girlfriend ( and co-owner ) broke up, I explained I would need to remove her name. They ultimately adjusted the mortgage but charged me an above market rate. I was notified about 6 months later of the HAMP program. I called them and asked why I was n't placed into that so I could get a market rate. They did n't have an answer, except that because my mortgage was adjusted ( above market rate ) that I ca n't do the HAMP program. Is that legal? Why was I not told of the HAMP program. 4 ) At that time I was told I might be able to do a modification so I filled out lots of forms but was denied. I asked for 'waterfall calculation ' and was told no calculations are provided. Is that legal? 
CCO mortgage please and answer these XXXX complaints.
Product: Consumer Loan

I bought a XXXX Chev Malibu with about XXXX miles on it from XXXX XXXX XX/XX/XXXX that was sold to me deceptively.The salesman XXXX lied to me about what was wrong with it a When I asked about a concern during the test drive, he lied about the number of owners the had stating that the car had just been traded in a couple of hours before I came in to buy the car by an elderly couple, hence the low mileage and failed to tell me that they, XXXX XXXX had made a repair to the transmission in XX/XX/XXXX.3-4 mos.later the car stopped working totally and needed new transmission.After abt 2mos of back and forth with gm and the dealers owner giving me the run around and just not wanting to help even though they were deceptive, I had to pay XXXX and was reimbursed XXXX.I should not have had to pay anything.i was without a car for almost 2mos.After practically begging the dealership I was given a loaner 1 day before my car was repaired.Im a single parent and having to pay to get around for almost two months and having to come up with that much money was like having to come up with a XXXX.Gm decided to make arrangements after almost XXXX mos.They initially refused to due to the loan being too new.They financed a car that was sold to me deceptively and put me through so much to finally give me arrangements.This issue caused me to fall even further behind on other bills including my mortgage in which I had to get modified around the same time frame of XX/XX/XXXX.I have a mortgage that I have fell behind on now again and it 's going into default again.gm reposessed the car on Mother 's Day because it was 3 mos behind in which I thought that it was 2mos behind.im a single parent and I am employed.I have household bills, mortgage, tuition, my daughters graduation, a daughter in college and it 's has been impossible to do everything because I have not been able to catch up due to their car needing a new transmission and all of the other financial strains that caused me.Its not fair and I would like to know if there 's anything that can be done because I was deceived and it has caused everything in my life to go downhill financially including my health.I will take any advice that can be given.thank you
Product: Credit reporting or other personal consumer reports

here is the letter I submitted to pennymac and still nothing has been corrected and inaccurate information is being reported. I demand the 30, 60, 90 day late payments are deleted to inaccurate reporting.

To Whom It May Concern, I am writing to formally dispute inaccurate, incomplete, and unverifiable information on my consumer report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are required to conduct a reasonable reinvestigation of any disputed information. However, your failure to comply with this obligation, as evidenced by recent legal action against your agency, constitutes a direct violation of federal law. 

The Consumer Financial Protection Bureau ( CFPB ) has sued both XXXX and Equifax for conducting sham investigations, failing to properly verify disputed information, and misleading consumers regarding their rights. This lawsuit confirms what many consumers, including myself, have experienced firsthandan outright refusal to conduct a lawful, good-faith reinvestigation as required under the FCRA. 

Violation of Federal Law Your failure to verify the accuracy of the disputed information violates the following FCRA provisions : - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Mandates that a credit reporting agency conduct a reasonable reinvestigation when a consumer disputes the accuracy of any item. The CFPB lawsuit establishes that XXXX and Equifax have routinely failed to comply with this obligation. 

- 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Requires that any information that can not be verified must be deleted from the consumer 's file. The burden is on you and the furnisher to prove the legitimacy of the reported data, not on the consumer to disprove it.

- 15 U.S.C. 1681e ( b ) Requires that credit reporting agencies maintain maximum possible accuracy in consumer reports. Your failure to conduct a reasonable investigation and reliance on automated systems instead of substantive verification is a clear breach of this requirement. 

- 15 U.S.C. 1681s-2 ( b ) Requires data furnishers to conduct a reasonable investigation once a dispute is received from a credit bureau . Your continued reporting of information without proper verification constitutes willful negligence.

Demand for Immediate Deletion Since your agency has failed to meet the legal standard of a reasonable investigation, and in light of the CFPBs action against XXXX and Equifax for fraudulent and deceptive dispute handling practices, I am demanding the immediate deletion of the following inaccurate, unverified, and disputed accounts from my consumer report. 

If you can not verify this information with competent, legally admissible evidence, you are required by law to delete it under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).
Product: Credit reporting

I have repeatedly disputed identity theft accounts on my credit bureau with Experian. I completed an identity theft affidavit along with a Police Report and sent it to Experian. When I called to find out why the items have n't been removed, I was told that I am no longer eligible to dispute incorrect items on my credit report and Experian would not be removing these items. I have asked for proof of verification and have not received it. There are currently XXXX items which do not belong to me on my credit report and they are damaging my credit. I have contacted the creditors and they do n't have any accounts for me. How is it possible for Experian to damage a consumer 's credit without proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX per XXXX XXXX, XXXX XXXX XXXX declared my account as a chargeoff/collection. However, this account is still showing open and has reported a late fee 6 months ago, XX/XX/XXXX. This has validated my rights as a consumer because the account, should be closed, and no reporting currently information because it was charged off 5 years ago. Due to the inaccurate reporting of information, I request that the creditor remove this from my credit bureau accounts. The balance reporting is incorrect of {$11000.00} which I never received reference or provided a written signature for. According to the FCRA XXXX XXXX XXXX has validated my rights and I am requesting legal action to remove this immediatly.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX Balance : {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX**** Balance : {$0.00} XXXX XXXX XXXX* Balance : {$210.00}