23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dear TransUnion, XXXX, and XXXX, Its vital that we work together to underscore the importance of adhering to rules outlined under 15 U.S.C 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). These regulations clearly establish when a consumer reporting agency can furnish a report in connection to credit or insurance transactions that are not initiated by the consumer. 

The law states that reports related to such transactions can only be provided under specific circumstances : ( A ) The consumer explicitly authorizes the agency to provide the report. This authorization must reflect the consumer 's informed consent, underscoring the need for transparent communications. 

or ( B ) If the transaction comprises an unambiguous offer of credit or insurance, even without the initiation of the consumer. 

Further, it's critical to note that, with the only exception provided under section 1681g ( a ) ( 5 ), a reporting agency should never furnish a record of inquiries related to non-consumer initiated credit or insurance transactions. 

By holding firm to these legislated conditions, we ensure that consumers ' rights to privacy and control over their personal information are respected, and trust in our financial system is maintained. It's an essential responsibility, and together, we can ensure that these regulations are upheld for the benefit of all consumers. 

Thank you for your attention to this important matter. Please remove these inquiries below asap. Attached is an ID and statement for verification of myself. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I made a payment via cashier 's check of {$15000.00} to purchase a vehicle I was leasing through Nissan Motor Acceptance Corporation. They cashed my check on XX/XX/22 but they are still trying to figure out where the funds are internally. They can not release title or stop my account from needing monthly payments because my lease has reached " maturity '' without finding these funds. I need to make a payment tomorrow XX/XX/22 or if not they will report it to my credit report because it is going to be the " second '' payment missed even though they have cashed my check. They basically can not do anything for me until they figure out where they sent my funds internally which is not my problem. I have been calling them constantly to figure this issue. My check shows it was cashed by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX I did not authorize this inquiry tried calling equifax to get this taken care of 3 times they said there is nothing they can do. 

XXXX XXXX XXXX and XXXX XX/XX/XXXX I did not authorize these inquiry tried calling and writing equifax they too again says it has to stay on my report after i stated I Maybe a victim of fraud
Product: Bank account or service

I opened a Citigold Checking Account under a promotional code that would give me XXXX XXXX XXXX miles once I completed the requirements. Citibank accepted my application so I began using the account. Once I completed the requirements for the promotion, I sent Citibank a secure message in their internal system to confirm I met the requirements. They responded that I did and should expect my miles deposited by XXXX/XXXX/16. We are past this date and I have still not received the miles in my account. I reached out to Citibank and they told me they are not going to award me the miles saying " I was not targeted for the promotion and they will open a separate investigation with no timeline on a response ''. The problem with this is, they accepted my application with the promotion and their customer service representative confirmed I met the requirements.
Product: Student loan

Below please find a copy of an email recently sent to the lender. 
As you may understand, student loans can be barriers to many things as they have an extremely adverse effect on ones credit. I would like more than anything to pay the amount off or begin making payments - but I can not because this organization will not answer the telephone. 
I encourage anyone in your office to try to make contact with Bass & Associatee, PC via traditional means and you will see that it is impossible. 

Any assistance you can provide will be very much appreciated. 

-Thank you I have been forced to write this email as numerous attempts to contact your organization via telephone have been unsuccessful. 

As recently as a few moments ago, my constant calls to your office have been ignored. There has been no option to speak with a person or leave a message, the only option is to be placed on hold for up to an hour or longer. 

This is unacceptable. 

The loan on question has had a significant and large, extremely negative impact on my life including my ability to rent a place to live. 

I am trying very hard to rectify this loan via payments ( installments or lump sum ) but I keep hitting a dead end due to your willful reluctance to call me, a person who should be treated as a paying customer. 

I request to be provided with a working telephone number of someone I can contact regarding this issue. 

A copy of this email will be forwarded to the Ombudsperson and to any overseeing entities which regulate the loan servicing industry.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, ME XXXX XX/XX/year> TD Bank XXXX XXXX XXXX XXXX XXXX, NJ XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Business Checking Application and Decline To Whom it May Concern : On XX/XX/XXXX, I applied online for a Business Checking account at TD Bank in response to an offer to Earn {$500.00}. My application was subsequently declined. 
Earlier this week, I received a billing statement which suggests that this account was indeed opened. 
Please confirm whether the account was opened and pay the advertised bonus of {$500.00}. Thank you. 
Sincerely, XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Cancellation of Debt Reporting Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against First Progress [ Insert specific details about the creditor ], concerning their reporting practices related to the cancellation of debt, specifically in violation of IRS Topic XXXX. 

I recently became aware that XXXX XXXX has reported the cancellation of debt as income, which is in direct contradiction to IRS guidelines outlined in XXXX XXXX. According to IRS regulations, canceled debts are generally considered income and are subject to taxation. However, there are exceptions, and taxpayers are allowed to exclude canceled debt from their income under certain circumstances. 

I believe that XXXX XXXX has erroneously reported the cancellation of debt as income, and this has led to inaccuracies in my financial records. It is essential to rectify this situation promptly to ensure compliance with IRS guidelines and to avoid any unnecessary tax implications for affected individuals. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate actions to ensure XXXX XXXX adheres to IRS regulations regarding the reporting of cancellation of debt. Additionally, I kindly request that you communicate with XXXX XXXX to rectify the reporting errors and provide clear guidance on the correct procedures to follow in such cases. 

Enclosed with this letter, please find relevant documentation supporting my claim, including [ list any supporting documents you XXXX have, such as statements, letters, or other evidence ]. 

I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to address this violation. If you require any further information or clarification, please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your time and assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

On multiple occasions I have asked the debt collector to not call my phone. They have admitted to using an automatic dialer and this is the reason I continue to receive calls ( this is a violation of the TCPA as well ). I recorded them acknowledging that I have requested to not be contacted on my cell phone however they continue, when I ask to speak to a manager they are apologetic and promise it wont happen again however I still receive daily calls.
Product: Payday loan, title loan, or personal loan

The lender says that the borrower ( me ) can apply for a payment workout program to help recover from missed payments due to unemployment. The lender will tell the borrower what is the minimum payment required but when the borrower submits their request the lender denies the request with for the following reason : " Payment to income ratio exceeds hardship program thresholds ''. The lender will not disclose what the threshold is that must be met. I have made 3 attempts to sign up for the program, each time offering the requested minimum payment, and calculating my income based on three different models. Each time I am denied with the same denial statement but they refuse to tell me what the threshold is that I need to meet. 

All I want from the company is to make the minimum payment during my unemployment with a promise from me that I will return to normal payments when my income is restored. I have made 6 different attempts to accomplish this but each time the representative said that no one can tell me what the threshold is and no human can give an approval - only the computer program can grant an approval.
Product: Debt collection

This company recently bought a medical debt, they wanted to know if I got my  XXXX  on the  XXXX  of the month. They said they would keep calling until I paid. I told her I could not pay for awhile the bill is {$500.00} but they will settle for {$100.00}. Since then they have called my phone in the excess o f 12 times in two da ys but never speak, they keep it on mute. When I finally called back she said you do n't know what we want, I said yes your the same person I talked to and stop harassing me. She said she would take me off the list but hung up on me. They call from  XXXX  and  XXXX  they start calling at  XXXX   XXXX  and today is Saturday.
Product: Credit card

Hello, so i have purchased XXXX  from XXXX XXXX XXXX XXXX separate transactions amounts are {$22000.00}, {$22000.00}, {$18000.00} i will attach the letters from American Express, this purchase was for my business it was XXXX XXXX, i ordered the XXXX XXXX and i paid in advance i also have communication letter with the company that i made purchase from, when the time was to be delivered the company contacted me telling me that they have issues with there merchant and bank account and they are not able to refund the money or send me the XXXX XXXX and they recommended me to call my credit card issuer and dispute the transactions, so i had no choice but to dispute it, so i called American Express and explained them what happen and they opened the dispute claim and i already paid off the balance i had with them so they issued me a temporarily credit and after investigation they denied my claim saying that based our review, we believe no goods and/or services were purchased or exchanged in this transaction Hence, we are closing the dispute case. And they have also closed my American Express Business Credit Card. 

I will attach the bank letter and also communication letter.
Product: Credit card or prepaid card

I have a credit card with US BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. XXXX and XXXX are reporting me late. I tried contacting XXXX, XXXX and the US Bank with no successful resolution.There was definitely an error on their part. I was never 30 days lateXX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked by EQUIFAX AND XXXX CREDIT BUREAUS. Per FCRA segment 605, EQUIFAX AND XXXX Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT AND DO THEY JOB PROPERLY. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that EQUIFAX AND XXXX Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX  XXXX Balance : {$700.00} ; XXXX  XXXX Balance : {$440.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX : {$220.00} ; XXXX XXXX XXXX XXXX Balance : {$22000.00} ; XXXX XXXX XXXX XXXX Balance : -
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. 

SOURCE RECEIVABLES MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 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: Vehicle loan or lease

At the time of the purchase of this vehicle, I was excited was not explained all the fine print. This car was and still is over my budget limit. I have had several things go wrong. There were hidden clauses buried deep within the contract.
Product: Student loan

I am a victim of fraud from XXXX and their false promises of employment ; I have tried several times to request help from Navient and they are refusing to assist me. I am stuck with a XXXX debt with no hope of repaying because I can not find work in the field that I trained for because of the lies of XXXX a school that was closed by order of the US Department of Education. I am asking for the same treatment as other victims received including tax-free loan forgiveness. I have read on several websites of these programs and Navient only tells me, there is nothing they can do I will have to pay the loans in full. No exceptions. 

Also, they have a " Private loan '' in my name that I never authorized, I 've talked to a few people and they told me the loan was paid to the school ... however, there are no records!!! I am paying for a loan I never asked for!!!
Product: Mortgage

my home need {$6700.00} of escrow every year. All of the sudden Round point mortgage company want to add around {$8000.00} to my escrow knowing that my home insurance, my house tax, and my PMI is not changing. I called the Bank and No body is able to explain to me. They just read the letter again to me and do nothing as they are not professional bankers!! its like someone in XXXX is answering my questions. This bank has no local office or no one who can speak with no accent to help me around. I can not pay extra {$8000.00} for my mortgage monthly payment I told them just come and take the house and of course they did not care.
Product: Student loan

As per  XXXX  from Navient on  XXXX   XXXX ,2017 she has advised me she will HARASS my family and friends by phone every day until a payment is made. My name is the ONLY name associated with the account so they have no right to harass anyone. I considered this a threat.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, partially in light of the recent CFPB lawsuit highlighting significant issues with this platform. The CFPB 's findings indicate that Zelle has not only neglected to to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability is very concerning.
Product: Credit card or prepaid card

Capital One is issuing me a new card. The new card has contactless capability as a new feature. I called and requested a card that does not have contactless. They said they do not have those cards anymore and all new cards are contactless. That means theyare putting my information at risk. 

I work in information security. I have both XXXX and a security clearance with special program access. I know the dangers inherent in a contactless card, and I am horrified that a bank is pushing this on me without any alternative.
Product: Credit card

walmart credit closed my account with no notification. I called and they demanded to run a new credit inquiry to reopen it. I did not request it to be cloed. This effects my available credit and therefore my credit score as would a new inquiry.
Product: Checking or savings account

I am a longstanding customer of Wells Fargo. Over the last XXXX  years - their service has grown increasingly bad and my most recent experience was the most frustrating yet. 

I have had a checking account with them for many years and I don't use it as a primary - years ago I had a stock account where I would move money in. I called them to have my XXXX  removed from the account last month- to which they said XXXXwe closed this account '. I asked why- and they said due to lack of activity. 

I haven't received ANY communications from WF saying " If you don't do something with this account - we are going to close it ''. The worst part is they told me they sent it to the XXXX XXXX ' department- which is insane... This property was not unclamied - it literally has an owner... ME! They didn't call - text - or email letting me know that I needed to take an action. While my account balance was only {$10.00} you can imagine how many other accounts get sent to unclaimed - and the consumer who doesn't get notified is getting their money taken away. 

This is completely predatory behavior and needs an investigation. I want to know how many accounts they have sent to 'unclaimed property ' over the last few years and how much money they profited from this practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

My card was locked due to perceived fraud action by Commenity Bank. I spoke with the fraud line people and approved the action, however my card was not reactivated. Since that time, I have made MULTIPLE attempts to contact the company about this credit card and I am NEVER able to speak to a person and every time their automated service says to call back later that " the fraud line is not available at this time ''. 

This is the phone # on the back of my card - XXXX these are the dates I've tried to contact them, all to no avail - contacted : XXXX @ XXXX ; XX/XX/XXXX @ XXXX ; XX/XX/XXXX @ XXXX ; XX/XX/XXXX @ XXXX. 

XXXX  XXXX XXXX, I went online and found a different # - XXXX XXXX - and called at XXXX. AGAIN I get the message that the fraud line is unavailable and I can NEVER talk with a person. This is beyond frustrating and inappropriate action on their part regarding my card, hence my money. I have no doubt they would abruptly fine me if I'm late with a payment however I CAN NOT USE THE CARD OR SPEAK TO A PERSON!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

I opened up a loan of {$13000.00} on XX/XX/2019. The company was www.upstart.com - and they made me sign a promissory note which is attached. 

The purpose of the loan was to consolidate debt to one loan, and then pay the loan off fast. This co is not letting me pay off the loan. In the second month, I phoned them and asked if I could pay if off early with no penalties. The agent on the phone said yes. 

Recently I started to look at how much interest I have paid, and it is much more than they should have received. If I phone the company they will not explain the interest to me in basic terms. They say it is " compounded daily '' although the pro-misery note attached says it is simple interest. 

I requested to speak to a supervisor who put in a " complaint '' - it wasn't a complaint, rather I am pointing out their accounting errors to them. I have attached their response also. 

It seems, they take what ever they want, whenever I pay extra. Some times, they put 100 % of my payment towards interest. Again, no one at the company can explain the interest charges to me. 

If you look in XXXX of 2019, I paid {$1000.00} to them, and of that, {$530.00} went to interest. I would never agree to this. 

In XXXX I paid {$600.00} and {$250.00} went to Interest. The payments are inconsistent and completely random -
Product: Credit reporting

The NYS Department of Education has XXXX loans on my credit report. XXXX of the loans are correct and are mine but then the XXXX is for {$13000.00} and I never took out a student loan for {$13000.00}. And the XXXX loans I did receive were dismissed by the loan forgiveness program. The student loan for {$13000.00} is not mine and is on my credit report!