23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

PRA had my truck repossessed and Ive had my truck for XXXX. My debt was taken care of in bankruptcy court back in XXXX. Now its XXXX and they say I owe on my vehicle they have a lein from the creditor from XXXX. I informed thats not possible especially when my bankruptcy cleared after 7 yrs and any debts were passed statue of limitations and were considered time barred debts and in after 6 yrs these debts cant be collected on nor any collateral be seized if that was the case. I have not received any information concerning any debt that is owed : no paperwork has been presented to me at any time stating that I ever owed any debt in the past 7 yrs nor will they give me any details of what I owe. This is illegal and they came onto my private property without notice. I have no collections or any negative items on my credit for any negative items. Need assistance getting my vehicle back immediately.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023. I wire transferred {$2900.00} to an online merchant via my bank J.P. Morgan Chase. Later, I found out that the merchant was a scam/fraud. On XX/XX/2023, I contacted the bank to get the money back, but the bank denied the claim due to the fact that they don't insure wire transfers.
Product: Mortgage

I previously submitted the complaint below. 
In the interim, I have received resolution for XXXX of the XXXX items. The missing reimbursement was misrepresented in the response back to the CFPB and the complaint was closed. 

TIAA is claiming that they have sent me back the check that was received by my bank. This is not true. The check that was sent to me is from TIAA Bank and is made payable to TIAA XXXX. Neither myself nor my bank are parties on this check. The original payment was sent from my bank ELECTRONICALLY to TIAA and TIAA wrote this check to TIAA XXXX. 

My bank has made multiple calls to TIAA and I have made multiple calls to TIAA and to XXXX regarding this issue. It has been acknowledged by their reps on multiple occasions and a work ticket ( supposedly ) submitted for reimbursement. Please feel free to request the recordings of the many many phone calls I have made. The last calls made are : XX/XX/XXXX : XXXX XXXX : XXXX XXXX : XXXX XX/XX/XXXX : XXXX ( with agent id XXXX ) Although I have been promised it on multiple occasions, not once has one of these agents called me back with follow up or updates. 

Original complaint : In early XXXX, TIAA Bank transferred the mortgage servicing to a partner company - TIAA XXXX XXXX. It the midst of this, I was in the process of selling my home in XXXX  and purchasing another home in XXXX. The XXXX  home was sold and closed on XX/XX/XXXX. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments in the amount of {$2900.00} ( each ) were electronically sent to TIAA Bank via my bank 's online banking platform. These payments were made to TIAA Bank, who then forwarded them to TIAA XXXX. In the meantime, XXXX received a check from TIAA and promptly mailed me the check ( made payable to TIAA XXXX ) with a letter that the check can't be processed because the loan had been paid in full. I am not able to do anything with a check made out to another party. I have made many phone calls to TIAA and TIAA XXXX, which have all been escalated to a supervisor. None of the these calls have resulted in funds being refunded to me. I have On XX/XX/XXXX, I spoke with XXXX, who told me that the XX/XX/XXXX payment was credited prior to the account payoff ; however the 2 remaining payments were not. She said that the XX/XX/XXXX payment was sitting on the account, with no action. The XX/XX/XXXX was no longer there ( because they had already mailed me their check ) .A copy of this letter and the returned check will be attached. In all cases, it is not the fault of the consumer that the internal processes of TIAA Bank and TIAA XXXX are so complicated. It is also a questionable business practice to hold funds that were paid and refuse action to refund these when an error has been identified. Any assistance with completing this process would be greatly appreciated. In the meantime, I hope that future customers of TIAA mortgage company take heed, because the customer service, account ownership, and level of service provided by these companies has been atrocious. They are withhold reimbursement of funds that they have no right to withhold.
Product: Payday loan, title loan, personal loan, or advance loan

I took a payday loan to make rent. Unbeknownst to me, tribal loans arent legal in Illinois. I do not believe they are licensed in Illinois.
Product: Consumer Loan

I obtained a Home Depot Project Loan card through XXXX Financial in XX/XX/2016. The loan was interest only for XXXX months, then balance would convert to a fixed payment for XXXX months at XXXX %. The XXXX month 's invoice dated XX/XX/2016 showed that I owed {$130.00}. After the promotion expiration date of XX/XX/2016, I received a " XXXX of Account at XXXX '' showing that my principle balance was {$20000.00} and finance charges of {$130.00}. Copied verbatum from this statement " The new monthly payment was calculated as follows : XXXX of {$20000.00} amortized over XXXX months at XXXX % : {$320.00}. XXXX of {$130.00} divided by XXXX payments : {$1.00}. New Monthly Payment : {$320.00} ''. Statement dated XX/XX/2016 states that my new monthly payment is {$320.00} with a due date of XX/XX/2016. I received a call on XX/XX/2016 stating that I was XXXX days late for not making the {$130.00} interest charge from the XX/XX/2016 statement. I feel that I did n't owe the {$130.00} because it was added into my loan. I was told by XXXX, supervisor, that the {$130.00} was still owed whether it was or was n't added into the loan. I then was transferred to XXXX in the complaint department. He told me that the {$130.00} that was owed was n't interest, but a " conversion fee. '' I repeatedly read the " XXXX of Account at XXXX '' to both XXXX that stated the {$130.00} was divided by 84 months. XXXX told me at it did n't say " divided ''. XXXX stated " After you received this statement, the {$130.00} was waivered. The statement was sent in error. '' I never received a corrected statement. I feel like I 'm being charged {$130.00} twice. Either I owed it from the XX/XX/2016 statement or it was added to the monthly payment. NOT BOTH After about XXXX minutes of this nonsense, I asked what the payoff would be. The answer was {$21000.00}, which is {$140.00} more than the principle balance of {$20000.00} and interest of {$130.00}. I told him that I would be paying it off in full on XX/XX/2016, but did n't have the money to pay the {$130.00} before it was XXXX days late and reported on my credit report. I asked him if he would n't report to the credit bureau and I was told that it was federal law that I be reported. I had to borrow the money to make the payment to keep the late payment of my otherwise clean credit. XXXX told me that he did n't need to see my statement because every loan was done the same. This raises a red flag. Is everyone being charged the last month 's interest twice?
Product: Debt collection

I filed a complaint with the CFPB complaint I.D . XXXX beginning of XXXX XXXX about Waypoint and RPM trying to collect without verifying debt. The CFPB reached to them and their response was the account was returned back to creditor. On XX/XX/XXXX I receive another letter from Waypoint still trying to collect after stating they closed the file. I received an email stating the complaint was closed.
Product: Student loan

Since I am a Pell Grant recipient, I will be eligible for {$20000.00} forgiveness based on Mr. Biden 's policy. I requested a student loan payment refund from Edfinancial last Wednesday, XX/XX/2022. One of the representatives was able to set it up for me ; however, they do not provide any confirmations or acknowledgment that my request was set up. In addition, the timeline IS EXTREMELY SLOW, which can be more than 150 days. Compared to other loan servicers, this is unacceptable.
Product: Credit reporting or other personal consumer reports

This is my Other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Child Support Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I would like any late payments reported to the credit bureaus removed immediately. After struggling since XXXX 2015 to get my {$5000.00} HAMP incentive credited and my payment amount corrected to what it should be I reject the possibility I was ever late. You have been over charging me for the past year plus so there is no way I could be late on something that was incorrectly being over charged. If I owe you XXXX apples and you are billing me monthly for XXXX how can it be due? In addition I want all late charges removed from this account unless you can explain how they have been charged. This loan has been sold 4 times and when I pressed XXXX in XXXX 2015 they then sold the loan rather than correct the issue. I have been harmed financially and emotionally and I want this corrected immediately. It 's not my fault that the mortgage companies that have managed this loan ca n't count.
Product: Credit reporting or other personal consumer reports

Dear [ CFPB ], I am writing to file an urgent complaint regarding fraudulent charges that have been reported on my credit report. I am a victim of identity theft, and my personal information is being used by an unknown individual across various accounts that I do not recognize or authorize. I travel frequently and am not well-versed in managing my credit, which my wife recently reviewed and found multiple accounts that have been opened in my name without my knowledge. This is an ongoing and dangerous situation that has persisted for months. Despite my repeated attempts to resolve the issue, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate the charges or transactions. I was not notified by the credit bureaus or creditors within the required 5-day window, as outlined in 15 U.S.C. 1692g ( Validation of Debts ), which I was informed about by my lawyer. This failure to notify me is illegal and violates my consumer rights under federal law. As per 15 U.S.C. 1681 ( Fair Credit Reporting Act ), my right to privacy, confidentiality, and accurate reporting has been directly violated. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies, which has clearly occurred in my case. I demand immediate action to remove these fraudulent accounts from my credit report and protect my privacy and rights. I will pursue legal action against both the bureaus and creditors involved for failing to provide the necessary documentation and for violating my federally protected rights. 
Thank you for your prompt attention to this matter. 
Sincerely, this account : XXXX. XXXX XXXX XXXX XXXX
Product: Mortgage

Purchased a new house XXXX. House closed and the property taxes assigned to the impound account was more than double what it should be. The house was a new build and so there is no actual tax bill assigned yet. The bank estimated what they believed to be the future taxes using a criterion I have not been able to understand. I spoke to title people , county tax people, my realtor and everyone agrees something is wrong. I have spoken to my loan officer, customer service twice from the bank involved and still no one can properly explain why the high tax estimate. They just keep telling me the impound account will correct at the first hard tax bill. That bill may not be sent to me until XX/XX/2024. Meantime my monthly payment is higher than I ever anticipated. I paid {$290000.00} for the house. They are taxing me the near equivalent of a {$500000.00} house. ( Approximately ) The county tax person suggested I tell the bank to use their online tax estimator to get a better look. I told the last customer service person to try that, but they would not. I am frustrated and can not get any answers. So figured I would try your bureau.
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate reporting on my credit file by XXXX XXXX. This account was paid in full on XX/XX/XXXX, as shown in the attached settlement document. However, XXXX XXXX incorrectly updated the account in XX/XX/XXXX, making it appear recent. This false reporting is damaging my credit score and misrepresenting my payment history.

I have attempted to resolve this issue through XXXX, but their online dispute system has been unavailable despite multiple attempts. I am requesting that XXXX XXXX and all credit reporting agencies immediately correct the reporting to reflect the actual date of closure and last payment. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate reporting, and failure to correct this issue is a violation of federal law. I request an urgent review and correction of my file. I expect a written response within the legally required timeframe.
Product: Debt collection

I do n't have any knowledge of this debt, nor was I provided with proof of such debt
Product: Checking or savings account

XX/XX/2023 I had a meeting with Chase Bank at XXXX. After completing a check deposit transaction at XXXX at the XXXX XXXX CA Chase ATM XXXX a man approached me, claiming that I lost a {$20.00} bill and forced it into my hand. He managed to take my debit card, without me noticing. I went into the meeting. Shortly thereafter the following unauthorized transactions occurred : XXXX ATM Withdrawal {$1000.00} ; XXXX ATM Withdrawal {$1000.00} ; XXXX ATM Withdrawal {$1000.00} ; XXXX ATM Withdrawal {$1000.00} ; XXXX ATM EWithdrawal {$3000.00}. XXXX XXXX XXXX ATM Withdrawal {$200.00} ; XXXX ATM Withdrawal {$200.00} Total amount of unauthorized withdrawal {$7400.00}. 
XXXX XXXX XXXX Chase Bank cancelled debit card and claims were filed. Police reports were filed XXXX XXXX with XXXX, CA police and XX/XX/2023 with XXXX XXXX police. 
Chase Bank since has denied the claims.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was transferring funds from one account to another using debit cards for banks when I accidentally gave my Chase card to teller, she ran the transaction and we inadvertently took a cash advance for {$1000.00}. I realized the mistake immediately, and within one hour we deposited {$1800.00} on that same card WITHIN the hour. The {$1800.00} was the total amount showing on line for that card at atet time. I also called the bank to let them know I made a mistake. we were charged {$50.00} for the transaction fee and not one but TWO interest charges on this transaction, please see statements. We had never left a balance on this ( or any other ) card before, this was obviously a mistake, and yet they refused to do anything about it, their response was to charge us yet another interest charge. Basically, their fees and charges for the accidental use of their {$1000.00} for one hour would embarrass a loan shark. Please see attached statements. Not that it matters, but the account the money was moved into held $ XXXX, we did not need to " borrow '' {$1000.00} for one hour. We have closed this account, and while unfortunately we have two other cards with Chase which we need for their connections to other businesses we have no intention of using these cards for anything other than their connections
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the fraudulent inquiries currently affecting my credit reports. As a consumer protected by the Fair Credit Reporting Act ( FCRA ), I assert my right to accurate and timely credit information, and I insist on the preservation of these rights. The ongoing presence of these fraudulent inquiries on my credit reports is unacceptable, and their immediate removal is imperative. I hereby request the swift removal of the following inquiries from my credit report without further delay : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I must emphasize that under the FCRA, credit bureaus are obliged to investigate and respond to consumer disputes within 30 days. Accordingly, I demand written confirmation of the removal of the fraudulent inquiries from my credit file within four business days. Failure to address this matter promptly will compel me to pursue legal action against your organization.
Product: Mortgage

I never received my mortgage statement/bill for XXXX XXXX 2015 from Ditech financial as is required. I attempted to contact them by phone both to find out why I had n't received the statement and to arrange a payment so I would n't be late. After and endless time on hold waiting to speak to a rep I hung up and went on-line to make a payment, again so I would n't be " late ''. I made the e-payment, along with a {$12.00} fee, on XXXX XXXX. Received my statement/bill for XXXX XXXX and it showed I had n't made the XXXX XXXX payment and I now owed them a late fee. This time I was able to reach a rep by phone. She said that the payment I made on XXXX XXXX was slated for XXXX XXXX in their system. Claimed I had set it up that way so that I was in act late. I pointed out that I had n't gotten my statement as required by law, that I 'd used their system to make a payment on the due date, and I wanted the fee dropped and the record to show I 'd done what I was supposed to. She refused. So, they did n't get me my statement, their system screwed up my payment, but I 'm held responsible and getting charged and having a " late '' on my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed items on my credit report with all 3 major credit companys. Equifax has all the same accounts as the other 2 but all my disputes with equifax they just say been verified. They actually aren't investigating. They have an Item on collections that has been paid in full. one of my accounts with XXXX shows only payment in XXXX but has been XXXX XXXX XXXX. shows wrong balance as well. My premier card and credit one card both have wrong balance yet equifax will not probably verify this info. They also drop me 19 points after removing student loans that were not due and are over 100 points lower then other 2 credit companys. this is getting nowhere with the company.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized inquiry on my credit report. In accordance with 15 U.S.C. 1681b of the Fair Credit Reporting Act, I am requesting that [ XXXX ] investigate and remove this inquiry from my credit report. 
I have recently reviewed my credit report and noticed an inquiry from XXXX XXXX XXXX XXXX ] dated [ XX/XX/year> ]. I want to clearly state that I did not provide written consent for [ XXXX XXXX XXXX ] to access my credit information or to perform any inquiry.
Product: Debt collection

There are 2 related issues with this company ( collection/violation of Privacy ). I had an outstanding loan which I was told not to pay because the company had already written it off as Profit and loss ( meaning I should be receiving a tax form to include as income for my XX/XX/2019 taxes and that I would need to just pay taxes on the remaining balance-the company had already taken the loss ). The issue with this particular company XXXX XXXX XXXX starts on XX/XX/2019. I received a call from my husband questioning an outstanding loan. My husband told me he just received a call from someone named XXXX looking for me. My husband said he told XXXX he had the wrong number and identified himself as my husband. My husband gave XXXX my number and told him to contact me directly. XXXX then told my husband that he had attempted to contact me ( I had no messages of such ) and then asked my husband if he was aware that I owed this loan. My husbands reply was that he was not aware because we maintain our own finances. Once I received this call I contacted XXXX and recorded the conversation ( which he was aware of ). XXXX admitted clearly what he said to my husband and said he did not violate any privacy rights because Massachusetts allows for collection agencies to speak with a spouse - I explained to XXXX this was incorrect. I then told XXXX this was something I was instructed not to pay as it was already written off as loss by the loan agency so I didn't understand how his company obtained the file. XXXX insisted he was correct and that the company was in their rights. I have spoken to him at least 3 times since and explained that I was filing a complaint with the XXXX, CFPB, and Atty General as was advised by my Financial Counselor. I continue to get messages at least once a week.
Product: Debt collection

Hello please help, this company have engaged is abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More less they did not follow the proper five step validation procedure which make this unfair practices. According to the FDCPA I'M ENTITLED TO XXXX DOLLARS PER VIOLATION AND CLEARLY THEY VIOLATED MY RIGHT!
Product: Checking or savings account

Bank Of America released {$11.00} that I did not charge to XXXX XXXX XXXX. I have yet to be refunded by Bank of America Bank of America denied me before the Customer Dispute Form Came. 

XXXX XXXX, 2017 the came the Dispute form came 2 days after I have uploaded proof of the letters Its nothing but a rip off by Bank of America and XXXX
Product: Debt collection

While attempting to buy a car XX/XX/2014, I discovered ERC was the only negative item on my credit report. Called ERC to find out who they were, they said they collected for XXXX. They told me if I paid the amount, they would remove the account from my credit report and I could buy the car. I paid because I needed to buy the car right away, not because I agreed that I owed the debt. I dispute owing the debt to XXXX because I had the account for several years prior and did not terminate any agreement early. However, ERC still remains on my credit report as a collections account, lowering my scores and preventing me from getting a mortgage and a new car at an affordable interest rate.
Product: Checking or savings account

In XX/XX/2018, I referred my wife to open a checking account, which made me qualified for ' {$100.00} refer a friend a promotion. ' Citi told me that I am qualified for this promotion, but they requested to send my W-9 and I sent the required document. XXXX is the reference number for my inquiry. 

It's been months since they received my document, but they did not credit my account yet with that promotion.
Product: Credit reporting or other personal consumer reports

Some took credit card out in my my name with I am in a XXXX  XXXX. I attached a tell for an example of what I need to incure new debt. No one thinks by law I have to have that letter. I do the ftc. Is involved. What's on my report is XXXX XXXX. I will becasking all 4 companies to send the letter to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX