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

In 2020 I went to the XXXX dealer to get a new car, I got a XXXX XXXX for XXXX for a term contract of 72 months thats a low value vehicle for 6 years, clearly moneys were moved around to make the prices jump so much. upon leaving the dealer the total for the car was at XXXX years later i see i still owe XXXX so i started to do the math and research and i've come to find there were many violations that i was unaware of when buying the vehicle that i wasn't made aware of the sum of all charges were insurance should've been included, consumer credit transaction is cash on hand and that didn't happen either, the laws and fees were not disclosed properly and fed lies off of a good faith agreement rather than a consumer credit transaction.upon finding this i reported to the bank and they said they would hit my credit until the issue was resolved while i filed a complaint. 
In accordance with the fair credit reporting act this creditor ALLY FINACIAL has violated my rights under 15 USC 1681 section 602 I have the right to privacy, 15 USC 1681 section 604 a section 2, It also states that a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Product: Vehicle loan or lease

I had written in previously and failed to complete the entire picture of what occurred therefore I am resending this. My account was set on autopay and when the lease expired on XX/XX/2021 I reached out to Honda for a payoff letter since I wanted to purchase the vehicle. The representative informed me that I should not worry about making any payments since I will be purchasing the car. It took them very long to produce the document as soon as I got the payoff statement I made the payment. I also reached out several times to check on the payoff status. I was informed that due to covid things are taking longer but should not worry. 

I would also like to point out inaccurate data which you are reporting to the credit bureaus. 
1. Balance Owed is reporting 2. A past due amount is reporting 3. Payment status is not accurate
Product: Credit reporting or other personal consumer reports

I've submitted consumer statutes between XX/XX/XXXX and XX/XX/XXXX showing that XXXX does not have and has not ever had written consent to furnish personally identifiable information within my credit report. However, these loans are continually being reported within my consumer reports.
Product: Credit reporting or other personal consumer reports

This complaint is in regards to the consumer report belonging to XXXX XXXX XXXX XXXX. There are multiple items that were added to XXXX XXXX XXXX XXXX consumer report that I did not authorize nor consent to. In fact I do not consent to these items being reported on my Consumer report. The items that were added without my authorization are inquires. I will list the inquires below as well as attach photos of the inquires with this complaint 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ALL of the above inquires that are being reported on XXXX XXXX XXXX XXXX consumer profile by EXPERIAN, XXXX, and XXXX were not authorized by XXXX XXXX XXXX XXXX . I do NOT consent to these items being added to my consumer report. I demand these items be removed immediately If XXXX XXXX XXXX XXXX claims that he did not authorize the above items the FCRA states that the credit reporting agencies EXPERIAN, XXXX, and XXXX must remove them. 

15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), 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. 
No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 
Anything added to your report without your written consent could be considered Identity theft I am demanding that the unauthorized items be removed from my consumer report
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my Chase Bank account to the fraudulent investment firm. 

When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Chase Bank did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Chase Banks custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Chase Bank promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Chase Bank was in compliance with its own policies and procedures ; ( v ) whether Chase Bank owed duties to myself, what the scope of those duties was, and whether Chase Bank did not uphold those duties ; ( vi ) whether Chase Banks conduct was unfair ; and ( vii ) whether Chase Bank has within its power the ability to, and should, compensate me for the harm that has befallen me.

Upon identification of such unusual or suspicious activity, it is crucial that the relevant staff member adequately describe the factors making an activity or transaction suspicious, thoroughly depict the extent and nature of this activity and properly communicate to the customer that such activity meets the relevant criteria of fraud. 

In providing its services to a customer, a financial institution is required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a XXXX eye to known facts pointing to a real possibility that their customer is being scammed. In other words, Chase Bank must have had special knowledge of what was occurring or been alerted to a real possibility of fraud taking place. The financial institution must have known or reasonably ought to have known that I was dealing with a scammer. 

Granted, there is room for diversity of view insofar as reasonableness is concerned. Indeed, there is a sense in which the standard of care of the reasonable person involves in its application a subjective element. 

However, it must be remembered that the correct test is always reasonable care in all circumstances, not average care. The fact that most people behave in a certain way may be good evidence that the conduct is reasonable, but this is not necessarily the case. Although reasonableness is a very fluid concept, all of the evidence suggests that Chase Bank did not foresee the fraud and disregarded even the most obvious dangers in this respect. 

Situations do tend to repeat themselves and it is advisable to examine previous outcomes to see how the standard of the reasonable person should be applied, and that lessons can be learned from the errors of the past.
Product: Checking or savings account

I went online First national website to obtain information about closing an account for a decease. The website instructed me to call the customer service number regarding bank accounts. I called customer service on XX/XX/2022 and spoke with XXXX at XXXX XXXX. I asked about the process of closing an account of a deceased person. I was placed on hold, and she proceeded to inform me I will just need to go into a First National Bank with a death certificate to close out a bank account. I asked should it be the branch the deceased normally banked. Or any branch? XXXX stated any branch. 

On XX/XX/2022 around XXXX, I went into the XXXX XXXX and XXXX XXXX assisted me. I lead the conversation by informing I was advised by customer service, to go into a branch location with the Death Certificate to close an account for a deceased. She took the death certificate and asked did I have a letter that I am a trustee to handle my grandmother 's affairs, I inform her I did not. XXXX made a copy of the death certificate anyway. She stated she can only flag the account but without the letter of trustee can not close it. I asked if customer service was aware of this because I was informed the death certificate was the only document needed. I went back a few minutes later to request a copy of the policy of closing the accounts for the deceased. XXXX stated it is internal there is no policy to view. I asked do you at least have the policy for just closing an account in general. She stated it's internal and the website will instruct to come into a branch. The website does not instruct to come into the bank it instructs to call customer service. 

I followed the information that was given to me and there is no written policy to verify which employee information is accurate. My family already must deal with grief, and to also get misinformation is placing an added burden on the situation. I have also sent a certified letter to their headquarters Tracking number : XXXX, They are still charging overdraft fees to the bank account.
Product: Mortgage

my mortgage payment recently raised by about XXXX a month. 
previously i had bill pay scheduled for XXXX a month. 
the first month i sent a second payment to make up the shortfall but forgot to amend my scheduled payment going forward. 
the company is now returning my XXXX payment.
Product: Mortgage

After being notified of default I submitted a loss mitigation package which was denied for reasons that I was never asked? I submitted the same package but was denied for XXXX additional reasons that were already answered in my submission? Next my package was denied because I was put on a disaster forbearance and told to submit again after forbearance? Next I learned they didnt cancel sale date and now didnt honor the presidential declared disaster on FEMA of which I received assistance from FEMA for the disaster & provided them with proof & documentation. Then after they disputed the nationwide known disaster paused the sale saying they would look into the disaster, that never happened, I was never given a single point contact, never given a new sale date, they never listed or published a new foreclosure date or time or location and never informed me of any of this and also I dont believe filed to be awarded a new foreclosure by the courts but piggybacked off of XXXX XX/XX/XXXXyears earlier which would have been voided because I paid my mortgage currentXX/XX/XXXX months prior to receiving the default notice. 
M & T Bank is guilty of an illegal foreclosure, dual processing, violating my homeowner rights, violating foreclosure laws including new XX/XX/XXXXXXXX & they illegally sold my home of which I owed {$230000.00} on a home with sale value of {$620000.00} without ever notifying me it had been continued because I am a FHA homeowner and by law received a disaster forbearance that superseded them, while not listing the sale, selling to a man under federal indictment for real estate fraud and money laundering expanding over multiple states and causing me to learn about it XX/XX/XXXX months as I was gettingXX/XX/XXXX evicted from my home and put on XXXX XXXX homeless in the middle of winter along with my XXXX tenant and never aloud to enter the home again by new owner who disposed of all my belongings which valued well over {$100000.00} in property, causing me to lose my in home XXXX assistance employee and funding, XXXX of XXXX service dogs and still XX/XX/XXXXmonths later trying to recover from living on XXXX XXXX homeless after my vehicle was stolen and no entity would help me with enforcing the violated laws
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian several times about the inability to access my account, the reporting of inaccurate information, and the removal of an inquiry I did not authorize. I have sent letters, spoke on the phone, and submitted online disputes through a 3rd party. I have not received any information or proof of owing certain debts. Also, disputes have been pending over the 45 allowable days with no response. 
XXXX XXXX XXXX is inaccurately reporting late payments for XXXX and XX/XX/XXXX. 
XXXX XXXX XXXXXXXX is inaccurately reporting late payments and balance owed. The late payments are from XXXX and XX/XX/XXXX. The account was closed and paid. 
XXXX XXXX is inaccurately reporting a late payment in XX/XX/XXXX and balance owing. This account was paid and this dispute has been pending over 45 days. 
XXXX is reporting a late payment and I disputed this account for inaccurate information and it has been pending for over 45 days. 
XXXX XXXX XXXXXXXX XXXX has been in dispute for fraud for over 45 days. I have received no information about this account, not even debt validation or accurate reporting to so it is mine. 
I have asked them to remove an inquiry from XXXX XXXX from XX/XX/XXXX because I have not authorized any application from this retailer. 
These mistakes has a direct effect on my ability to receive loans and credit at a lower rate. I have been denied on occasions because of inaccurate information on my credit report.
Product: Checking or savings account

I have tried to use my account with BBT/Truist bank and bank will not release my funds, I have talked to many people.I am XXXX XXXX and XXXX.I need to be able to write checks from my social security deposits.Dates I have had noo access to my social security money from XX/XX/2021 to XX/XX/2021 .I bank with BBT/truist is XXXX XXXX Ga XXXX and in XXXX GaXXXX XXXX I need to pay my bills and write checks.I have opened another account at different bank buit social security wont start that ban until XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a XXXX party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$9700.00} ; XXXX XX/XX/XXXX.
Product: Student loan

These accounts represents a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding these fraudulent accounts, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the institution 's actions have resulted in significant harm to my financial well-being. The account is : MOHELA/XXXX XXXX XXXX XXXX, MOHELA/XXXX XXXX XXXXXXXX XXXX, MOHELA/XXXX XXXX XXXXXXXX XXXX XXXX MOHELA/XXXX XXXX XXXX XXXX MOHELA/XXXX XXXX XXXX XXXX MOHELA/XXXX XXXX XXXX XXXX, MOHELA/XXXX XXXX XXXX  XXXX, MOHELA/XXXX XXXX XXXX XXXXXXXX, MOHELA/XXXX XXXX XXXX  XXXX, MOHELA/XXXX XXXX XXXX XXXXXXXX XXXX MOHELA/XXXX XXXX XXXXXXXX XXXX, MOHELAXXXX XXXX XXXX XXXX, MOHELA/XXXX XXXX XXXX XXXX, MOHELA/XXXX XXXX XXXX XXXX, MOHELA/XXXX XXXX XXXX XXXX, MOHELA/XXXX XXXX XXXXXXXX XXXX, MOHELA/XXXX XXXX XXXXXXXX XXXX XXXX MOHELA/XXXX XXXX XXXXXXXX XXXX, MOHELA/XXXX XXXX XXXXXXXX XXXX, MOHELA/XXXX XXXX XXXXXXXX XXXX, MOHELA/XXXX XXXX XXXX XXXX, MOHELA/XXXX XXXX XXXX XXXX, MOHELA/XXXX XXXX XXXX  XXXX, MOHELA/XXXX XXXX XXXX XXXXXXXX XXXX MOHELA/XXXX XXXX XXXX  XXXX, MOHELA/XXXX XXXX XXXX XXXX, MOHELA/XXXX XXXX XXXX XXXX, MOHELA/XXXX XXXX XXXX XXXXXXXX, MOHELA/XXXX XXXX XXXX XXXX, MOHELA/XXXX XXXX XXXX  XXXX
Product: Checking or savings account

My daughter and I had a joint account with navy federal since she was a minor when the account was opened. In the summer my daughter went to college. She received an email from a university account about a job offer. My daughter assumed the job was legit since it came to her university email from another university email labeled the office of student success. 

Well it turns out it was a fishing email and my daughter was scammed out of {$950.00}. I gave Navy Federal a copy of the emails and police report. They said my daughter and I would have to pay back the money. Although I was frustrated we complied.Navy federal began to withdraw from my main checking account and took my daughter 's direct deposit in an effort to get back the money. I would even make small transfers to pay the money back. In the end the bank took the last {$400.00} out of my account without my permission and closed our joint account. 

My issue is how can the bank close the account even though they received their money. When I asked the representative she was nasty and said because they can. I would like my daughter 's account reopened. The account is no longer in the negative and it isn't my daughter 's fault she was scammed.
Product: Credit reporting or other personal consumer reports

After carefully reviewing my credit report I noticed an influx on inquires that werent authorized by myself in a result identify theft. Inquiries listed below XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX
Product: Credit reporting

I was recently taken by a felon con artist. I discovered that he used identity theft as a means to clear his credit history. I tried to call all XXXX credit reporting agencies to let the know and so they would remove the fraud protection from his credit check. By fraudulently saying his identity was stolen his is able to continue his fraud and criminal behavior. They should remove the alert and press charges against him. They should also include that he has not paid the attorney fees or costs as ordered by the court of California.
Product: Credit reporting

I have disputed a certain judgement that is located on my credit report. XXXX XXXX placed judgement against me that was illegal and was revoked. I have disputed this with the credit bureaus and they continue to come back and say the judgement is valid when it is not. I filed a complaint with the CFPB against this company, and it is fact that this company filed an illegal judgement against me. They even reported back to CFPB, that they have stopped all action and revoked the judgement being that it was illegally done. I filed disputes and they refuse to remove this judgement from my credit report. The case that I filed with the consumer financial protection bureau against this compan which is eagle loan company and that illegal judgement they filed is Case # XXXX. This case they clearly stated that they are revoking the judgement and in fact it was filed wrong and they are not pursuing action. I want this removed from my credit file as well as compensated for them inaccurately investigating this claim.
Product: Money transfer, virtual currency, or money service

So, I deposited my paycheck amount is XXXX $ on XX/XX/XXXX and I accidently lost the check, but on XX/XX/23 i got the letter said that the check that i lost was also paid at Bank of America on XX/XX/23 and now my account is closed due to negative balance. 
I did go to three of the banks that were involved which is XXXX ( my bank ), XXXX XXXX  ( check belonged to ), Bank of America ( Bank that been Cashed out the check ). These bank always keep saying the same thing which is not there's fault and they keep blaming each other. I do have the police report and now i dont know what to do.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 I was scammed and sent transactions to scammer XXXX account with two transitions of XXXX, XXXX in total and while it was pending, I found out that it is scammer activity then immediately report to JP Morgan Chase bank to act and try to stop the transaction. Chase bank specialist was not responsive and I was direct to different departments within the company on the phone call and what they do was nothing but just file a ticket for me in their internal system. The second day I receive letter from Chase that they will not take any actions to prevent this scam activity. I explained that I have report to police and secret service and also the transaction did not gone through so there is still time to stop this happening. However, Chase was irresponsible towards the crime happening and they kept using their XXXX transaction policy that they don't take responsibility for personal transaction. At the time the transaction was pending and could have got company 's attention by risk department. After a few days the scammer cancelled his XXXX account after withdrawn the money and Chase did not do anything in these 5 days. Unlike other banks who would do their best to prevent fraud and scam, Chase used their user policy as cover to avoid any liability. JP Morgan Chase bank 's fully despise of customer 's account protection and fraud prevention responsibility is totally unacceptable.