23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

, Im asking you to look into this matter, as Bridgecrest maybe operating unfair Business practices On XXXX - Bridgecrest Acceptance Corporation has charged off - Make and Model of Vehicle : XXXX  XXXX XXXX XXXX XXXX this account as a loss in its financial records, which signifies that the debt was determined to be uncollectible. 

- According to Generally Accepted Accounting Principles ( GAAP ), once an account is charged off, it is classified as a loss, and the creditor acknowledges that it no longer expects to collect the outstanding debt. 
I DEMAND MY COPY OF THE 1099 C AS WELL AS THE RELEASE OF ELECTRONIC TITLE LIEN, WITHIN XXXX BUSINESS DAYS. 

Legal Basis for Demand - Uniform Commercial Code ( UCC ) XXXX : Requires lienholders to release their lien upon discharge of the debt. - Georgia Code XXXX : Mandates prompt release of liens to facilitate clear title issuance I will be Requesting for Investigation with the CFPB AND THE IRS FOR THESE Relevant Laws and Codes XXXX. Internal Revenue Code XXXX : Creditors are required to issue Form 1099-C to the debtor and the IRS when a debt of {$600.00} or more is discharged. This regulation includes instances where a debt is charged off as a loss. 

XXXX. Treasury Regulation XXXX : Details the conditions under which creditors are obligated to issue Form 1099-C, including charge-offs, settlements, or other recognitions of debt cancellation. 

XXXX. IRS Instructions for Form 1099-C : Clearly state that creditors who fail to issue the form may be subject to penalties under XXXX XXXX for failure to file correct information returns with the IRS and XXXX XXXX for failure to furnish correct payee statements
Product: Checking or savings account

I sold my phone in one of the stores in Virginia, for this amount they gave me a check that I made a deposit online to a Ally checking account. After I made a deposit, the next day, Ally blocked my online access to my account. 
After 6 business days, they still verifying the check. 
I found out all the information when I called them. 
But I received an email notification that they will verify this check for a maximum of 5 business days. 
But no, still wait. 
Im almost without money already, but I know that they dont care.
Product: Checking or savings account

Back in early XX/XX/2019 I did an online search to find the best promotion offer for opening a checking or savings account. I found an offer online at www.TD.comXXXX. 
The offer stated that if I opened a Premier Checking account and deposited a minimum of {$2500.00} of direct deposits within 90 days that I would receive a {$300.00} credit to my checking account. I did not meet any requirements for the additional {$150.00} to open a savings account. I deposited the {$2500.00} within 60 days, 30 days early. The offer stated that I would receive my promotional credit within 140 days max. I have called numerous times as I am persistent since the 120 day mark to check on the status and was told to wait the remaining days. I've called maybe 5 times in the past two weeks and each time I was told the rep would email the promotional Dept and they would get back with me with a resolution within two business days. I have received no call back or emails regarding my inquiries. I love the current interest rates and would like to stay with the TD Bank however I expect them to honor their end of the promotion as I did. The reps have been extremely nice and seem to genuinely care however I seem to be getting nowhere.
Product: Credit reporting or other personal consumer reports

I submitted a final loan payoff on XXXX A week later, my account showed a {$0.00} balance and then a few days later I was no longer able to see the account anymore. I noticed that my credit report was not being updated to reflect the payoff and my report still shows a large balance. I asked the company to send me a letter to prove I have paid it off. They sent me the letter and it indicates that it was paid off on XX/XX/XXXX I opened a dispute with XXXX but their result of the investigation says the information on my report is accurate despite the letter indicating the account is paid off. The company is not submitting the correct information to the credit bureaus after the account has been paid off.
Product: Mortgage

On XX/XX/2023, I contacted Frost Bank for a home equity loan. I was given the rates and told they can change daily but are locked in when I complete the application. I received a confirmation e-mail with the rates and process at XXXX. I immediately completed the Frost online application process and uploaded the needed documents. Their system shows that I completed the application on XX/XX/XXXX. After XX/XX/XXXX, they sent documents with a higher interest rate and I questioned it over and over with no answers. The loan officer is now trying to tell me the " weekly rates '' changed on Tuesday XX/XX/XXXX and I got those rates. I questioned his e-mail stating the rate is locked when you complete the application and he said, " yes, but you completed it after XXXX. '' His e-mail does not say " by XXXX '' it says the rate is locked on the " date '' of the application. I completed the application on XX/XX/XXXX through their automated system and sent an e-mail confirming I had completed it. Their system shows the date of XX/XX/XXXX. His e-mail says " weekly rates '' but doesn't say their week ends on Monday at XXXX and the new rates start at XXXX Monday night.
Product: Checking or savings account

I opened a cash account with Wealthfront. I transferred several XXXX XXXX dollars into that account. I then tried to transfer an additional {$100000.00} into that account. When I went to transfer the money it said I would be transferring into " an investment account ''. That was the default setting for the transfer and I proceeded to transfer the money because as far as I knew I only had a single account at Wealthfront. The next time I logged into my account I saw that an investment account had been opened and instead of going into my cash account the money went into an investment account that then had been invested in various securities that I didn't approve. When I contacted the company they told me this investment account had been closed since 2015 when all of the money was transferred out of it, but this new transfer into it caused it to re-open automatically and automatically invest again. Then they changed their story and told me later that in fact the account had stayed open for 8 years, despite no money in it. This account did not show up in any profile of mine and they have not been providing me any updates, reporting or other compliance activities related to this account for 8 years. I can not understand how they can say this account has been open for 8 years with no notices, notifications, information, changes to policies or privacy settings or anything for 8 years. I have to believe there are requirements for notifications, including tax documents, etc. if you have an open brokerage/investment account with an institution. Again, they first claimed it had been closed in 2015 and was re-opened. Then they claimed no, it had been open this whole time. Ultimately, I was trying to transfer funds into a cash account but because of the way their website is set up, the default setting said " investment account '' and I didn't recognize that was referring to another account because I had not had an active account with them for 8 years. I believe the design and intent of the website is misleading at best and possibly intentionally so.
Product: Student loan

Navient is a student loan servicer and reported an inaccurate report to all the credit bureaus of late payment. I submitted a forbearance request, and they submitted a false report indicating they contacted me via mail. The mailing address was inaccurate therefore no notice was communicated timely. I requested the servicer to remove report, because they failed to contact me of any questions about a payment but they declined with the same inaccurate address on their records. This is disturbing and needs to be addressed as a legitimate agency.
Product: Credit reporting or other personal consumer reports

This account must be deleted. The status of this account has several misleading information by XXXX XXXX and 2 Credit bureaus. As you can see by my attached credit reports and highlighted issues.

This information is NOT CORRECT & NOT ACCURATE.

Therefore it must be DELETED IMMEDIATELY This is a clear violation of the FCRA as this is not accurate or complete. I am writing to formally dispute the account listed by XXXX XXXX and 2 credit bureaus. I have reviewed my records after receiving an updated report from TransUnion. I never received anything from XXXX. Problem with the company 's investigation into an existing problem not verified correctly. According to the records I the consumer has disputed and has disagreed for some time now and nothing has been done to correct the matter. 
I provided a brief explanation of why I believe the debt is incorrect some reasons include : The amount was paid in full/never a charge off. I own the pink slip.

all three credit bureaus are reporting different information.

payments are showing unknown/never late so how could it be a charge off.

account status derogatory and paid.

The account is beyond the statute of limitations ( 9yrs ) TransUnion and XXXX are extending the years.

account closed showing different dates.

last payment made shows different dates. 
not showing all the years paid since 2015. 
Thank you for your prompt attention to this matter.
Product: Checking or savings account

On XX/XX/year> I received a debit card in the mail from BMO bank. I called the number to inquire, but the person who answered sounded like an XXXX XXXX, so I did not provide any information and hung up. On XX/XX/year>, I received another piece of mail from BMO. I googled their number and called on XX/XX/year> and spoke to someone to ask if there was any account with my name and address on it at the bank. The person I spoke to did not find any accounts with my information on it. On XX/XX/year>, I received a check book with the BMO account on it. I called BMO an hour later after I initially called them and gave them the account info and asked what accounts were opened in my name and why they couldn't find any accounts when I called them an hour earlier. They said that they could not provide me with any account information, but that they would close the account with the number I provided with them. I do not bank with BMO and have never opened an account there. They did not provide me with any confirmation number or any other confirmation or case number, other than telling me that yes they did close this fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im upset because my credit report will not update on credit monitoring services specifically ( XXXX ) and also XXXX  hasnt updated since XXXX, XXXX. Ive tried fixing this issues previously with no results. My report is having error updating on XXXX XXXX AND EXPERIAN.
Product: Mortgage

I have a complaint against XXXX XXXX, XXXX XXXX XXXX XXXX  my original loan was with XXXX  until they were indicted been sold off to XXXX XXXX XXXX who promised me a modification made me go into default and then while I was in XXXX they foreclosed on my property this unaccredited service or XXXX XXXX  based out of XXXX what is going on here. I am in litigation and I need assistance Does this agency really protect the consumer. I tried to modify my loan in XXXX What does property in XXXX and put a ton of money into it. They purposely did not want to modify my loan. To collect fees from the Fed. There is a case of XXXX County court the property is XXXX XXXX XXXX XXXX XXXX XXXX mass I have been obliterated by these banks please assist as I may have to go to the press for this entire event, this is ruining our socioeconomics in the country running our children and our economics with unfair play. Please assist XXXX XXXX XXXX. A law firm called XXXX XXXX XXXX XXXX  based out of XXXX illegally foreclosed on my property on XXXX XXXX put it on auction and illegally sold it off without proper notice and jurisdiction of the Commonwealth of Massachusetts. Supposedly the new owner never closed he came to my door and told me he bought my house online. I have no Trust passing signs on my property and yet he still knocked on my door looking in my windows I filed a complaint with the police department. I am suing the servicer the bank and the attorney that represented the bank or an accredited service are based out of XXXX Florida XXXX XXXX who I never heard of Ive been paying my mortgage since XXXX taxes insurance maintenance this is got to stop please assist
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/ ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened at 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 opened. This account ( s ) has resulted in fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the collections in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Consumer Loan

I am being harassed consistently by this company. I work as a XXXX 84 hours a week for XXXX of Massachusetts and my client needs XXXX. This means I need my sleep and the call at all hours of the night and her ASPI. They have also recently contacted my employer 's mother and used public records of an incident years ago to negatively impact her judgment on my character. I am feeling unsafe as they have showed up at my house and I am upset. I have all sorts of documentation and even screenshots and texts
Product: Debt collection

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against? AD  ASTRA RECOVERY f or reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
Product: Debt collection

Lendmark is currently negatively reporting an account on my consumer report. I sent off a letter telling them that I do not owe the alleged debt and they need to cease and desist communication. I also requested for them to send me all information that they had in their records so I can validate the debt which is my right as a consumer. They then proceed to send me an alleged contract bearing signatures and it also contained different dates on there as well as the TILA disclosure. Not only did they alter the alleged contract, but they also have violated TILA by failing to disclose to me that the finance charge is actually the sum of ALL charges and letting me that I had the right to rescind the contract as stated in TILA, 15 USC 1635 says " in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained, the obligor shall have the right to rescind the transaction until XXXX  of the third business day following the consummation of the transaction ''. They also failed to provide me with any documentation that showed that I owed them anything. Instead, they falsely obtained this account and are harming my reputation by reporting the account on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I noticed that on my credit report it states that my loan increased, causing my score to go down. I have reached out to Navient regarding this they have not only been rude but refuse to help in anyway to repair this. I have also noticed that they have I have 3 missed payments and during that time I was not working and was granted a forbearance and they are refusing to research this. On XX/XX/2018 I spoke with a rep regarding all this again and was unable to get anywhere with this. She stated That I need to call the credit agency. I have also noticed that for the past 2 months they have not even reported any on time payments. I am in need of assistance with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account : 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. 
I don't know this company and I never sign any contract with this company. This account is a fraudulent account.
Product: Checking or savings account

On XX/XX/XXXX i set up online a domestic wire transfer from my discover money market account for {$4500.00}, i then called and spoke to a discover agent who told me they are reviewing the wire instructions and if no problem should go by XXXX XXXX on that day. 
The recipient sent me a message on XX/XX/XXXX that he did not receive the wire as i had promised, i called discover bank immediately, the first agent hung up on me, i called back and the next agent told me my wire transfer will not go, that it was a business decision by discover, that my options were ACH or certified check, which i declined. I sent my recipient the money with paypal. 
On XX/XX/XXXX i was shocked to get an email from discover that my wire was processing, i immediately called discover, the agent apologised, refunded my wire transfer fee and told me the wire was going to be recalled. Till date i have made several calls to resolve the issue with no success, i spoke to a supervisor by the name XXXX, who told me she has taken over the case and will be updating me on it and that she will investigate my initial call when i was told the wire will not go out for business reasons by discover, i have not heard from her since then, i left message for her to call me but she has not till date called me back. 
I have had paypal refund me the money so i dont need the refund from discover, but i have to put this out so that discover bank is corrected from doing this to someone else, i believe i was treated this way because of my sociodemographics factor.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Hawaii XXXX XXXX XXXX XX/XX/year> CFPB Subject : Formal Dispute and Notice of Civil Liability for Non-Compliance and Negligence Under 15 U.S.C. 1681o Dear CFPB, I am writing to formally dispute inaccurate information in my credit report and to notify you of your potential civil liability for non-compliance and negligence under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o.

According to the FCRA, consumer reporting agencies and data furnishers are required to ensure the accuracy and proper investigation of consumer disputes. Despite my prior attempts to rectify inaccuracies, you have failed to take the necessary corrective actions, thereby violating my rights under the law. 

The inaccurate information in question includes : -Southwest credit system - XXXX  XXXX XXXX XXXX Your continued failure to properly investigate, correct, or delete inaccurate, misleading, or unverifiable information constitutes negligence under 15 U.S.C. 1681o. Under this provision, any person who negligently fails to comply with FCRA requirements is liable for actual damages sustained by the consumer, as well as court costs and attorneys fees.

To resolve this matter, I demand the following actions be taken immediately : A thorough reinvestigation of the disputed item ( s ), with written confirmation of the results.

Immediate removal or correction of the inaccurate information.

A written statement confirming compliance with my request and a copy of my updated credit report.

If this issue is not resolved within the timeframe required by law, I will have no choice but to pursue legal remedies, including seeking monetary damages as allowed under 15 U.S.C. 1681o.

Please consider this letter as my final attempt to resolve this matter amicably. If I do not receive a satisfactory response within [ 30 days or the appropriate legal timeframe ], I will take further action as necessary to protect my rights.

I request that all future correspondence regarding this dispute be in writing. You may send your response to the address provided above. 

Sincerely, XXXX XXXX
Product: Checking or savings account

someone using my Address and name to get credit in there name when I try to open up a bank account with citizens bank they closed my account out for fraud that I never done! after I cashed my unemployment checks.
Product: Credit reporting or other personal consumer reports

Fair Credit Reporting Act Tags : Consumer Protection Privacy and XXXX XXXX XXXX XXXX Consumer Protection Law 15 U.S.C. 1681-1681X XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXXXXXX XXXX ) The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of alleged debt. Nor therefore any such debt in fact therefore exsits. ( please remove this account before i seek litigation for defamation of character 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 balance {$2800.00}.