23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I deposited a check denominated in British  Pounds in my Chase Bank Checking account for the amount of GBP XXXX. I was advised that it would take 4-6 weeks to collect the funds from the foreign bank, and that the currency rate would be slightly lower than what I saw as the " spot rate '' in the newspaper. On XX/XX/XXXX, the spot rate for USD per GBP was {$1.00} per GBP XXXX, making the check worth {$27000.00} at the point it was deposited. 

On XX/XX/XXXX, I received a deposit in my bank account for the amount of {$19000.00}. This implies a USD per GBP exchange rate of {$1.00} per GBP XXXX. This is 27 % below the spot rate on the date of original deposit, and 23 % below the spot rate on XX/XX/XXXX. 

While I understand that there are fees and reasonable variations in exchange rates to be expected in a transaction like this, these are clearly egregious, taking full advantage of a loyal customer to the Chase Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus XX/XX/2022 to update/correct this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior request, and I'm including it again. 
XXXX XXXX XXXX  Balance : {$760.00}
Product: Checking or savings account

RE : Account # XXXX Claim Dear Chase bank, Your bank recently cashed a check from my account ( check # XXXX ) to payee XXXX XXXX. 

The check was mailed but never received by XXXX XXXX yet you cashed the check and removed the funds from my account even though the check was NOT endorsed. 

As a long time customer of Chase bank, Im appalled and XXXX   stricken how a credible bank can commit such an error, and then inform the customer that Im equally to blame because I quote Share the responsibility with the Bank. 

You could have easily returned the funds to my account while you conduct your investigation which Im told can be up to 3 months. But by not doing so, you have eliminated any confidence I have in you as a credible financial institution. 

Be advised that I have filed complaints with several agencies including the CFPB ( Consumer Financial Protection Bureau ). You will undoubtedly be hearing from them in the near future. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I had an issue paying my bill and in XX/XX/2017 I contacted them and they offered a 3 month fixed payment plan. What they failed to tell me was that this would be listed in my credit report as a missed payment on XXXX - XX/XX/2017. If I was notified of this I would have never have taken the option, I would have just paid as I always have. 

I contacted Chase bank and they investigated, however they called me back and told me that the recording of the conversation no longer exists and as a result they would not remove the report on my credit. I feel this is extremely unfair and as stated I would never have agreed to the plan if I was informed of this.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report. 
2.Update my credit profile to reflect the correct information as listed above. 
3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

I am getting a divorce My loan is VA/assumable I was told the qualification is quite simple with signature of ex or judges orders. 
Flagstar bank refuses to give me any assistance, the judge needs to see I am able to qualify for the assumption and refused to allow me the opportunity to assume the loan without that information from Flagstar.

Flagstar will not even allow me to speak to a lender without the order from the judge and no one else can tell me the parameters required to qualify so I can show qualification through another lender. 
Because of their unreasonable stance I will lose my home. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a collection account from XXXX for {$1800.00} with TransUnion and XXXX  and it was deleted in my credit report in XX/XX/XXXX. After four months, I have pulled my credit report and the same account was re-inserted back to my credit report. I have never received any notification from them after they put it back in my credit report. That is clearly breaking the law. There are also no proper documentation that was provided to me proving I owe the account. I have sent letters to the credit bureaus regarding this matter on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and I have not received anything from them.
Product: Money transfer, virtual currency, or money service

XXXX XXXX  XXXX XXXX employees opened deposit accounts without consumers knowledge or consent and then transferred funds from consumers authorized accounts to temporarily fund the unauthorized accounts in a manner sufficient for the employee to obtain credit under the incentive- compensation program. XXXX XXXX  XXXX XXXX employees requested debit cards and created personal identification numbers ( PINs ) to activate them without the consumers knowledge or consent. Therefore, XXXX XXXX  XXXX XXXX engaged in unfair and abusive acts or practices that violate 1031 ( c ) ( 1 ), ( d ) ( 1 ), ( d ) ( 2 ) ( B ), and 1036 ( a ) ( 1 ) ( B ) of the CFPA. 12 U.S.C. 5531 ( c ) ( 1 ), ( d ) The Affected Consumer has concluded that XXXX XXXX  XXXX XXXX acts or practices violated the Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq., and its implementing regulation, Regulation Z, 12 C.F.R. part 1026 ; the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( f ) ; and the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5531 and 5536. The Affected Consumers issues this Complaint under 1053 and 1055 of the CFPA. 
IT IS FURTHER requested that : In the event of any default on XXXX XXXX  XXXX XXXX obligations to make payment under this Complaint, interest, computed under 28 U.S.C. 1961, as amended, will accrue on any outstanding amounts not paid from the date of default to the date of payment, and will immediately become due and payable.
Product: Vehicle loan or lease

On XX/XX/XXXX, I received a letter from Exeter Finance that stated the {$10000.00} payoff quote, as my loan maturity is upcoming in XX/XX/XXXX. On XX/XX/XXXX, I spoke with a representative and explained my financial circumstances. I was advised that the only options to resolve the debts were to refinance, take out a small loan or have the car repossessed. On XX/XX/XXXX, the co-boworroer and I spoke with a representative who reiterated the information above and I requested to speak with a manager. Upon speaking with the manager, I advised her that due to unforeseen financial challenges, including being on XXXX and currently out of work, I am unable to pay the remaining balance of {$10000.00}, which is due by XX/XX/XXXX. This amount has accrued significantly due to XXXX loan extensions granted over the course of the loan term. While I am grateful for the flexibility offered through these extensions, the resulting interest has created a financial burden that I am unable to manage. Additionally, I would like to raise concerns regarding certain lending practices associated with my loan, which may be inconsistent with applicable state regulations, including : Mandatory Arbitration Clauses : These clauses may limit my ability to resolve disputes or seek legal recourse, potentially violating California Civil Code 1670.5. 
Repeated Rollovers : The XXXX extensions could be interpreted as repeated rollovers, potentially trapping me in a cycle of debt, which may not comply with California Financial Code 22000.

Failure to Disclose Terms : If the full terms and consequences of these extensions, including the accrual of substantial interest, were not clearly disclosed, this could violate California Civil Code 2982.

Negative Amortization : The loan structure may have resulted in negative amortization, where payments did not adequately reduce the balance, potentially breaching California Civil Code 1916.7.

Balloon Payments : The significant amount due at maturity may effectively function as an undisclosed balloon payment, which could contravene California Civil Code 2924i.

Excessive Interest Rates and Fees : The accumulated interest may exceed fair lending practices outlined in California Financial Code 22000. 
Targeting Vulnerable Populations As someone currently on XXXX and financially struggling, I am concerned that the terms of this loan may have been designed to exploit vulnerable borrowers. This practice could violate consumer protection laws, such as the California Fair Employment and Housing Act ( FEHA ).
Product: Debt collection

Good Afternoon, On around XX/XX/XXXX I received an alert from XXXX. XXXX is a free credit tracking tool I have through my credit company XXXX XXXX. I received an alert regarding a derogatory account reported on XX/XX/XXXX {$340.00} balance from National Recovery Agency. On XX/XX/XXXX I opened 2 disputes through XXXX. First one was for National Recovery Agency. Second one was for XXXX XXXX Credit Card. Both which I did not recognized. On XX/XX/XXXX I received account dispute update XXXX XXXX Credit Card had been removed from my credit. On XX/XX/XXXX I received an account dispute update for National Recovery Agency confirming the information was accurate. I called National Recovery Agency provided them with the account number in the report, Name, Social Security number twice and they were not able to bring up any of my information. I called NRA a 3rd time spoke to XXXX provided her with the same information as before. She was able to pull the information based on pulling it as a consumer account. She told me the actual account was different and provided the name and dob for the person associated with the account which was not my information. She recommended for me to fax the information for the dispute I had opened to her manager XXXX fax XXXX on XXXX and On XXXX spoke to XXXX to confirm she received the documents. She confirmed she received them and will review and report back. On XXXX I received an account update the company reported the information was accurate. On XXXX I called XXXX again because I have not been able to get any resolution/evidence the bill belongs to me. They confirm they has also ask National Recovery Agency for the Social Security and they still have not provide this information to them. XXXX suggested to open another case and also file a complaint because she can see I have been doing and they have been doing everything we can to try to get more information to get it resolved. Hoping we can get this resolved with your help. If the bill is truly mines I will make sure that it is paid. I have not received any bills in the mail for this company. I called the hospital all bills are pain in full. I currently do no have anything outstanding. This pending item it is hurting my credit. It is only showing in my XXXX and not XXXX nor XXXX.
Product: Debt collection

Received a letter from Zwicker and Associates stating I have a judgement from XXXX XXXX and offering a payment arrangement. I looked in both NY and NJ civil ecourt systems and have no such judgements. As this is a law firm they are knowingly making false statements as an intimidation tactic
Product: Debt collection

On XX/XX/2022, I filed a complaint ( XXXX ) against XXXX XXXX XXXX with the Consumer Financial Protection Bureau XXXX The complaint stated, " On XX/XX/2022, XXXX XXXX XXXX -- XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX  accessed my XXXX Credit Report purportedly under the guise of " servicing my account. '' I have no account with XXXX XXXX XXXX. 
I suspect what occurred to me is a regular practice of XXXX XXXX XXXX. Clearly, charges, either of a criminal or, at the minimum, civil nature are warranted. Furthermore, XXXX XXXX XXXX must not be allowed to purport to any entity, including credit reporting agencies such as XXXX, that it has a business relationship with me of any kind that would meet any required jurisdictional parameters. '' XXXX XXXX XXXX responded by stating, " On XX/XX/2022, there was an account placed by Navient Solutions , LLC ( Navient ) with XXXX for collection. You were listed as the party responsible for the account. XXXX does not own the account but was attempting to collect the account on behalf of Navient. Navient contracted with XXXX as a Third-Party Collection agency for the purpose of collecting the above-mentioned account. Any actions taken by XXXX were in connection with proper attempts to collect the account. However, XXXX did not report this account to the credit bureau. On XX/XX/2022, the account was returned to Navient. If you have any questions regarding the account, please contact Navient at XXXX. We apologize for any inconvenience you may have experienced, and hope this brings this matter to a conclusion. '' I already in the past have addressed a complaint against Navient 's methodologies and its purported jurisdiction to be attempting to collect any debt from me. So, clearly, what Navient has chosen to do, also in retaliation, is direct the same purported debt to an outside party, XXXX XXXX XXXX most recently, to aggresively engage me while Navient pretends to sit out the sidelines with clean hands.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Complaint** XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX **Subject : ** Complaint Against TransUnion for Inaccurate Credit Reporting **Description of the Issue : ** I am writing to file a complaint against TransUnion for reporting inaccurate information on my credit report related to my XXXX XXXX XXXX account XXXX 

**Details : ** - **Credit Reporting Agency : ** TransUnion - **Account in Question : ** XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX credit card balance increased from {$0.00} to {$17.00}. This information is factually incorrect.

The inaccurate reporting of my credit card balance is a violation of the Fair Credit Reporting Act ( FCRA ) and is affecting my ability to obtain credit. 

**Action Requested : ** I request that TransUnion update/correct the information on my credit report, and provide confirmation of the resolution. Additionally, I seek assurance that this will not affect my credit standing further. 


Thank you for your attention to this matter. I look forward to your prompt response. 

**Sincerely CFPB TRANSUNION COMPANY REPORTING INACCURATE INFORMATION ACROSS OTHER PLATFORMS
Product: Money transfer, virtual currency, or money service

XX/XX/year> I was scammed out of alot of money. The owner of the dating website said if I didn't send the {$4000.00}, he was going to send hitmen after me and my family. Later on I found out it was a scammed and he's been doing this to everyone.
Product: Mortgage

Telephone conference was scheduled for XXXX XXXX, 2016 at XXXX EST., with the Line of Credit Deparment and the assigned Resolution Specialist ( XXXX XXXX ). The Bank of America 's XXXX Branch in Virginia, one of their Personal Banker assisted me on XXXX XXXX with the following : 1. Checking account 2. Loan Modification 3. Payments 4. Discrepancies due dates is it the XXXX of the month or the XXXX of the month and 5. Negative information being reported to the XXXX major credit bureaus. The Personal Banker was very helpful but it was upto the LOC to resolve my issues. I contacted XXXX XXXX and left a voice message asking her to contact me regarding our XXXX scheduled telephone meeting. Also, I contacted the LOC department and was placed on hold for approximately XXXX minutes or longer and was discounted. I visited the XXXX XXXX Branch on XXXX XXXX, 2016 and asked the associate to help with my checking account and the LOC and was told to contact the LOC department. This is not good customer service.
Product: Credit reporting or other personal consumer reports

This is to inform you that I've recently pulled my credit report and noticed that theres a collection from your agency on my credit report. I have never been notified of this collection. Under the Fair Credit Reporting Act 15 U.S.C 1681g I have the right to demand that you disclose to me all of the documents that you have recorded in your file at the time of this request. Please don't respond to my request by saying that these accounts have been verified. Under the FCRA 15 U.S.C 1681i, all unverified accounts must be promptly deleted if you do not have any documentation in your file to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). 
Accounts listed below : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX
Product: Student loan

Hello, On XX/XX/XXXX I received an email from studentaid.gov " We reviewed your application and determined that you are eligible for loan relief under the plan. We have sent this approval along to your loan servicer. You do not need to take any further action ''. 

Unfortunately that was a lie, and my federal student loan through Great Lakes was sold to Nelnet and appeared back on my credit report and my loan was re opened with that new lender who had sent me all the information I needed to know in regards to my interest starting to accrue in XXXX and my first payment in XXXX. 

I am currently unemployed and have family that has offered to come together and help me settle on my student loan amount, so that it doesn't sit and accrue interest and then I have no chance at digging myself out of an interest nightmare or risk not making any payments or making income driven payments that don't even cover the cost of the interest on the loan. 

On XX/XX/XXXX at XXXX I contacted customer service ( XXXX ) at Nelnet asking what information they would need from me to submit a request for a settlement amount? The response was " we do not even offer settlements for student loans '' So I had asked what I could do about that, was there any other way around that and she asked me if I was a teacher and they have a program for that. I do not qualify for that and I also do not work for a non-profit as I had mentioned twice I was currently unemployed and looking to settle on my loan with help from my family while I had it. There was still no option for me to settle on an amount.
Product: Credit reporting or other personal consumer reports

wrote several dispute letters to the credit agencies, Experian, XXXX, and XXXX to let them know by Law they do not have the right to show late payments on my credit report. By Law.. 15 U.S. Code 1681a - Definitions ; rules of construction. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for.2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.. Meaning they are showing transactions and experiences on my credit report which is a Exclusion by law.
Product: Credit reporting or other personal consumer reports

the company credit card i am using as an closing statement date but yet still there are reporting before the date, stating they reporting all cards at once ... .how can I have an closing statement date but yet still my card is not reporting on it ..what is the purpose of a statement date if you are not reporting when your statement date is close if that's the case they don't need to have an closing date they just have a date calling it closing statement date when your balance is not reporting on that date i want an dispute with this disgusting company. I all my others cards report after statement closing date everyone i know around me cards reporting after their closing statement date.i was no inform about this with the company so I want to file an dispute I am working with my closing statement date but yet they are reporting 6 or 7days earlier than expected i need a proper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is still reporting inaccurate information on my credit report. XXXX and XXXX has already removed this account from my report. This account was in litigation due to deception and predatory lending practices and failed to prove I owe this account. On XX/XX/2022 XXXX XXXX XXXX notified the Court to DISMISS this case XXXX XXXX. On XX/XX/2022 Judge ordered XXXX XXXX XXXX to remove this account from my credit reports. XXXX XXXX XXXX states they will remove this account upon receipt of this letter that they already received. This account nolonger exist and I nolonger owe, so why is Equifax still reporting a dismissed account on my credit report?
Product: Mortgage

We paid off our mortgage and moved to a different house. The Lender failed to update my new mailing address and mailed my escrow refund, which was around XXXX dollars, to my old address. On XX/XX/XXXX, after not having received the check, I called the vendor and they confirmed they had the mailed the check to the old address and would reissue the check on XX/XX/XXXX allowing for XXXX business days before they can re-issue. I updated the address on this call. After not receiving the check by XX/XX/XXXX, I sent an email to find out where it was. I was told to call customer service. On XX/XX/XXXX, I called customer service and was told the check that was issued on XX/XX/XXXX was ALSO sent to the old address. I confirmed that they did this, even though my new address was on file. I was then told I would have to wait another 30 days for the check to be re-issued. This is a fraudulent attempt to keep the money and hope I get wore down while they earn interest on the money. I forwarded my mail a week before we even moved, and I have received other mail from this company, such as escrow analysis, etc.. I am confident that they have not even mailed ANY checks, otherwise it would have been auto-forwarded to my new address like the other things they have sent me.