23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I went to get a lease on a truck. I got one sum from the sale person, and at the point of sale I wanted to keep my car. The lease got to be twice the amount, and a down payment. But I keep the car. Now, the truck has been repossed by the loan company. The amount of the lease is as much as it would take to own the truck, and it remains a lease. I got XXXX regections from the loan company, and tried to take the truck back on XXXX differant accations. The lease came throw, and my credit was gone, the day I went into the dealer. So the loan was out of wack, and I have been kicked out of my bank, and I am unable to pay for my lease, I was kicked out a XXXX point. This seems to be timed as to the same kind of timing, the lease and the bank kicking me out at XXXX point. and My credit was over XXXX and now, and at the time the loan was processed, not good enough to get a loan and the company still gave me the loan at twice the price and a down payment, After regection XXXX times.
Product: Student loan

Hello. They told me my loans were in forbarance which the lady that told me that didnt really put my loans in forbarance so they went into default without me knowing. They started taking my taxes making it hard to prove a hardship that my family and I were going through. I finally started habilitating my loans and finished the XXXX program. They told me I did n't complete it on time so they kicked me out the program and had to start over, that 's when they continued to take my income taxes, which I feel was n't right because I finished the rehabilitation program. 



Thank you XXXX
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 2 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX : {$25000.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally report fraudulent activity concerning an escrow account managed by Bank United, for which I am the mortgage broker. The title company associated with this transaction is refusing to release my funds via wire transfer, despite repeated requests, and appears to be intentionally delaying the process. This has caused significant financial hardship for my company, impacting our ability to meet payroll and other necessary expenses.

I have already alerted the appropriate federal authorities and the underwriter involved in this transaction to this issue. Given the severity of the situation and lack of response from Bank United, I urge the CFPB to initiate a thorough investigation into the management of this escrow account, specifically examining potential violations of : State Escrow Laws Unfair and Deceptive Practices Fiduciary Duty Good Faith and Fair Dealing I previously spoke with a representative from the Bank United XXXX XXXX who acknowledged the issue but failed to take any action. Additionally, XXXX XXXX XXXX, EVP, Managing Director of Retail & Business Banking at Bank United, was made aware of the situation but has not facilitated the release of my funds. 

I trust that the CFPB will take swift and decisive action to address this matter, ensure the proper handling of these funds, and hold Bank United accountable for any wrongdoing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. I hope the following disputed items will be removed soon. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX I looked at my chime checking account and saw a transaction for {$1100.00} to XXXX  on XX/XX/2022. 

XXXX I called Chime bank to file a dispute and make them aware that I did not authorize that transaction. I received the claim # XXXX and was told it could take up to 90 days to hear back. 

XXXX I received an email saying my dispute was denied XXXX I called Chime to ask for details for why my claim had been denied. I also transferred my money from that account to another account and closed my account with Chime XXXX I wrote an email to Chime disputing the denied claim XXXX I received an email from Chime stating that my case was denied because : *There were no abnormal PIN/personal identifiable Information changes visible during the disputed timeframe. 
*There were no rapid personal Identifiable Information changed, abnormal balance inquiries, or any other sings of Account Take Over in proximity to disputed timeframe *Suggesting the cardholder maintained control of the account during the disputed timeframe *No horde of denial codes are present XXXX I emailed Chime disputing their reasons for denying my claim because they did not investigate the merchant name that was connected to this transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the Bureau.
Product: Bank account or service

XX/XX/2016 I traveled from XXXX ( where we live ) to XXXX, XXXX. I remained in XXXX until XX/XX/2016 ( with a day trip to XXXX on XX/XX/2016 ) and flew back to XXXX that day. My husband called to tell me he had a text from Chase bank telling us the account was overdrawn. He called Chase to report this. I also had to call also because my name was on the debit card. We were told we would have a resolution in 45 days. There were XXXX disputed, fraudulent transactions, XXXX in XXXX and XXXX in XXXX, for a total of {$3000.00}. Once I arrived home on XX/XX/XXXX we completed the required paperwork and returned it to Chase. 
XX/XX/XXXX we received a letter from Chase stating their investigation of the matter was complete and the temporary credit they had placed in our account was being reversed for a total of {$2900.00}. I called the customer service number and spoke to a representative who essentially told me that even though he believed that I did not make those charges, we are still responsible for the charges. He said he understood that technology is used by thieves to create new debit cards which need to be swiped to make a purchase, but the technology " does not exist '' to replicate a debit card with a chip. The " purchases made with the chip reader '' were our responsibility. 
The XXXX transactions that were 'allowed ' by Chase were both from XXXX . 
I closed our Chase accounts on XX/XX/2016, as we no longer trusted Chase to keep our money safe. 
Today ( XX/XX/2016 ) we received a letter from Chase stating " there is a {$2900.00} balance due on your Chase acct ending in XXXX ''. 
I have never been in XXXX. I did not travel to XXXX do any shopping in XXXX XX/XX/XXXX. I did not make those charges and neither did my husband. We would be happy to swear to this fact. I have credit card statements that can verify I was in XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit profile from XXXX XXXX XXXX  with the account number XXXX I have not received any goods or services from this company I have never done any business with this company. This company has illegally obtained my Nonpublic Personal Information per 15 U.S code 6802. For example my name, social security number, and date of birth. Only a signed contract between I, the consumer and XXXX XXXX XXXX would make me legally bonded to any debt that they may claim. I have never provided any wet signature or Nonpublic Personal Information to this company on any agreement.

Notice requirements Except as otherwise provided in this subchapter a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit card

My credit card at Costco was switched from XXXX XXXX to Citibank. I did not receive any notice in the change of credit terms. 

After the first cycle with Citibank, my minimum payment went from {$450.00}, to over {$3900.00}. I had put no additional charges on the card. Citibank explains that they require immediate payment of all sums over the credit limit ( which XXXX XXXX did not ). I have objected to the change in credit terms, within 30 days of the transition, but Citibank did not close my account or correct the required minimum payment.
Product: Mortgage

We have tried to send written correspondence via mail since XX/XX/2023, but unfortunately the usps has failed to deliver our correspondence and so this will serve as notice instead of the letters sent. Please refer to the documents attached to see the issue concerning the shipping of the correspondence. Also, the document that was sent is attached called : PNC information request. This is a request to PNC ( loan servicers ) to provide information on our mortgage account held with PNC regarding who the owner of the mortgage is as well as any investors and their contact information. If there is no response concerning the matter within 10 days from the receipt of this notice it will be understood and agreed to that there is no ascertainable owner or investor of the mortgage. If so, we request a release and reimbursement of funds.
Product: Student loan

I am on a Pay As You Earn repayment plan for my Direct Unsubsidized Stafford Loans and Direct Student Plus loans. My servicer is Fedloan Servicing ; I work for the United States Department of the the Treasury and am participating in the Public Service Loan Forgiveness program. I believe my monthly payment has been calculated based on my gross income, rather than my Adjusted Gross Income, as it should. FedLoan Servicing has been unresponsive, and I am unsure where to turn. 

I finished XXXX XXXX in XXXX XXXX with approximately {$60000.00} in federal student loans ( Direct Unsubsidized Stafford Loans and Direct Student Plus ). I immediately began working for the XXXX, and entered repayment in XXXX XXXX, following the grace period post-graduation. I asked to be placed on the plan with the lowest monthly payment, so as to maximize Public Service Loan Forgiveness ( PSLF ). Of course, I can provide more specific details, as well as the exact documentation provided to the servicer. 

I did receive a raise in XXXX XXXX, and this past XXXX ( XXXX ), my monthly payment was set to a higher amount, as I expected. However, this time around, I took a closer look at the amount specified and believed it to be too high, even accounting for the higher income level. I emailed FedLoan Servicing on XXXX/XXXX/XXXX ( I have an auto-confirmation email to document this ), and never received a response. In turn, I called and spoke with a representative Friday XXXX/XXXX/XXXX. When I explained the situation, the representative verbally confirmed the " discrepancy '' in the payment amount calculation, and notified me that I would receive a follow up in 7-10 days following a review. The representative 's name was XXXX, and her Employee ID # is XXXX. 10 days have passed, and I have not received a response. Please also consider that i originally contacted them on XXXX/XXXX/XXXX. 

Specifically, I do believe that my payment amount has been incorrect since I entered repayment ( XXXX ), and I have been required to pay more than is required under the program. I wonder if this is something you can assist with / review, and could advise me as to what my rights and options are.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want XXXX account and collection removed from my credit reports. Ordered products from XXXX all the way back in XX/XX/XXXX, never received my order as it was sent to an incorrect address I no longer lived at in a different state. I dont know how they got that address as that's not what I put. When I saw it was being shipped to incorrect address I contacted right away to inform to change address as it hadnt actually shipped yet. They refused to change to correct address. After they shipped, I contacted fedex and they said the shipper could change the address with them for delivery. They would not. Was delivered to my old address in different state. I even contacted apt office at that address and they said my package was delivered there but they gave it back to fedex to return to sender since I didn't live there anymore. XXXX should have received package back but still kept my bill for order as is. They would not reship to me. Obviously I was not going to keep paying for an order and goods I never received. No one would help me with this and ended up getting bill sent to collections with collection account and closed/charged off XXXX account show on my credit report which is not fair again for goods I never even got. Collection company would not remove when I disputed. I have screenshots from XX/XX/XXXX of all the emails I sent to fingerhut informing about the address and trying to get them to do something.
Product: Money transfer, virtual currency, or money service

I was contacted regarding a remote job. Asked to download XXXX app for interview. I was interviewed and offered the job. I looked up the company and it was a legitimate big company. I was sent a check to deposit. I called my bank Fifth third the next day to ask if the check was cleared. I was assured it cleared and the funds were put in my account. I was asked to XXXX money {$1000.00}. Which I did and there was no questions about it. I also bought XXXX XXXX for the software to be uploaded to the XXXX XXXX XXXX  they were shipping me. The check was for XXXX. The next day they deposited a check for {$4700.00}. At this point I was getting suspicious and started questioning them. I immediately called the bank again twice and was reassured I had nothing to worry about that the funds were cleared. I did not do anything with the {$4700.00} just left it in the account. I called the fraud line and gave all the information and uploaded all documents. I was told that she didnt know why the other bank employees would have guaranteed me that the funds were in the account. I even had them on speaker and my fianc heard the conversations that the funds were cleared. Well now I am out {$2100.00} which I dont have the money to cover. I have not heard back from the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

, XXXX XXXX XXXX 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 an 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 or other personal consumer reports

I recently reviewed a copy of my credit report and noticed XXXX XXXX on my report. I have never heard of this company nor established any business with them. I contacted them to get an explanation of billing and they could not provide that without violating HIPPA Laws. I also noticed multiple inquires on my XXXX Report and one on my Experian Report that I never gave permission to run my credit
Product: Checking or savings account

Company advertises a cash award on their Premiere checking account if a specific deposit amount is made and maintained for 90 days. I made the specific amount deposit on XX/XX/2018. To date I have not received the cash award despite calling 10 times. They have opened at least 3 'cases ' during this time, are constantly telling me they can not respond for a week. This is obviously a scam designed to accept my money and hold on to it for as long as they can. Please help me to resolve this issue with them.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against Current regarding their failure to provide me with provisional credit following an unauthorized transaction dispute claim within the mandated timeframe of 10 business days. 

On XX/XX/17, I discovered an unauthorized transaction on my account statement and promptly notified Current of the fraudulent charge. I followed their procedures to file an unauthorized transaction dispute claim, providing all the necessary and evidence to support my case. 

According to guidelines set forth by the Electronic Fund Transfer Act ( Regulation E ), financial institutions are obligated to investigate and resolve unauthorized transaction disputes within specific timeframes. One such provision is the provision of provisional credit to the customer within 10 business days of filing the dispute claim. 

However, despite the passage of the aforementioned timeframe, I have not received the provisional credit from Current. This delay has caused significant financial hardship, as I relied on the prompt resolution of this matter to ensure stability of my finances and meet my financial obligations. 

I have made numerous attempts to contact Current regarding this matter, but I have been met with unsatisfactory responses and a lack of accountability. The prolonged delay in providing the provisional credit has not only exacerbated my financial strain but has also eroded my trust and confidence in Currents ability to safeguard my interests as a valued customer. 

I believe that the actions of Current are in direct violation of the regulations put in place to protect consumers like myself. I kindly request your intervention and assistance in resolving this matter swiftly and in accordance with the relevant consumer protection laws. 

I trust that the Consumer Financial Protection Bureau will thoroughly investigate this complaint and take appropriate action to ensure Current fulfills its obligations to provide the necessary provisional credit without any further delay. Furthermore, I hope that this incident serves as a wake-up call for Current to improve its customer service and compliance with regulatory requirements. 

Thank you for your attention to this matter. I eagerly await your response and a resolution. 

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

The late payments showing don't match how I regularly make my payments, so Im asking you to fix these issues and adjust my accounts as soon as possible.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Portfolio Recovery A. for committing identity theft. I have never given Portfolio recovery A. any permission to use my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. Iam legally refusing to pay this debt pursuant to 1692c ( c ). Iam demanding a cease and desist of all illegal activity, any alleged debts until Portfolio Recovery A. can provide me with sufficient documentary evidence, such as a trilateral contact, that I have any legal obligation to pay them. If this documentary evidence can not be produced and company continues its collection efforts, I will file for litigation for actual damages caused and Portfolio Recovery A. Will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028 A. extortion, theft by deception, security fraud, and mail fraud. Upon the receipt of documents herein and of this Notice, you are hereby notified Pursuant UCC 1 - 202f. Your prompt attention and response are both requested and required. Portfolio Recovery A. # : XXXX - XXXX
Product: Credit reporting or other personal consumer reports

Account Name or Number : XXXX  XXXX, dated XX/XX/XXXX Dispute Reason : " This account is not mine. '' Account Name or Number : XXXX XXXX XXXX, dated XX/XX/XXXX Dispute Reason : " This account is not mine. '' Account Name or Number : XXXX XXXX XXXX XXXX dated XXXX Reason : " This account is not mine. '' Account Name or XXXX : XXXX XXXX, dated XXXXDispute Reason : " This account is not mine. '' Account Name or Number : XXXX XXXX dated XX/XX/XXXX Dispute Reason : " This account is not mine. '' Account Name or Number : XXXXXXXX XXXX XXXX XXXX XXXX, dated XX/XX/XXXX Dispute Reason : " This account is not mine. '' Account Name or Number : XXXX, dated XX/XX/XXXX Dispute Reason : " This account is not mine. '' Account Name or Number : XXXX  XXXXXXXX XXXX XXXX  dated XX/XX/XXXX Dispute Reason : " This account is not mine. '' Account Name or Number : XXXX XXXX XXXX ( XX/XX/XXXX COLLECTION/CHARGEOFF ) Dispute Reason : " This account was CANCELLED AND PAID. ''
Product: Credit reporting

I have faxed Experian and XXXX XXXX the judgment that the court files were paid in full and satisfied. They are still on my credit report