23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, EQUIFAX and XXXX is currently in violation of 15 U.S.C. 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

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

And 15 U.S.C. 6803 ( a ) ( 1 ) ( 2 ) ( 3 ) which states : ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.
Product: Debt collection

On XX/XX/XXXX, I sent a certified Dispute letter to RMS RECOVERY MANAGEMENT. It has been more than 30 days and I have yet to get a response from this collection company. I was under the impression that collection agencies had to respond within a certain amount of time or the debt would have to be removed.
Product: Credit card or prepaid card

AmazonStoreCard/Synchrony bank doubled charged me and once it was brought to their attention I was told the issue would be corrected and not to make a payment until it is resolved. While I was waiting they reported a none payment to the credit bureau and my credit score decreased drastically. Made a second call about the same issue and I was told they would contact the credit bureau to let them know it was an error on their behalf. As of today they are continually charging me and the balance is increasing.
Product: Payday loan, title loan, personal loan, or advance loan

Said interest rate would be lower if I borrowed more and it wasnt true I paid on the loan and it wasnt going down
Product: Checking or savings account

I had made an online debit payment to a payee on XX/XX/20 for {$50.00} that was deducted from my account but not cashed by the intended payee that I had set up with Citibank 's service. After months of written requests and phone calls, they were finally able to tell me who cashed my check and where it was deposited. But, they were unable to explain how someone was able to intercept this check, forge my signature ( although it was made payable to my pharmacy ) and deposit it at an ATM into their account. However with this information I was able to file a forgery report with the XXXX XXXX Police department. Now the detective handling this case has asked me to ask Citibank for the location of the ATM where the check was deposited so they can then subpoena the bank for the camera footage which could then help them with their investigation and possibly charge the offending person with an additional crime. So here we go again with the incredibly disrespectful treatment of Citibank 's customers. Something needs to change. I have made 7 phone calls to the Citibank Executive response unit and they do not even have the decency to return a phone call. I have been told the person now handling my case is XXXX and his phone number is XXXX. It seems they will only respond when a complaint is made with this agency. So, again I thank you for your help, but more needs to be done in regard to Citibank 's customer service.
Product: Credit reporting

This is a Formal Complaint Against Equifax. 

You are reporting inaccurate credit information. 

Company : XXXX XXXXAddress : XXXX, AZ XXXXXXXXAccount Number : XXXXDate Opened : XXXX/XXXX/2007Source : EQUIFAXThe tradeline/account/information therefore needs to be removed/deleted. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. 

I have been writing Equifax regarding the removal of this tradeline for over 6 months. 

The listed item is entirely inaccurate and as such represents a very serious error in your reporting. 

Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. Note that section 1681s-2 ( b ) of the Fair Credit Reporting Act creates a cause of action for a consumer against a furnisher of erroneous credit information ( XXXX ). 

Please know that you have 30 days to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Checking or savings account

On XX/XX/2024 a call came in to our phone from Bank Of Americas phone number ( XXXX ) a person claiming to be a customer service representative asked us to verify some XXXX transactions we had made through Bank of America 's mobile banking app. We verified a few that we had made, then were asked about a {$2500.00} transaction. Which was {$200.00} dollars less than our total balance in the account in question. Naturally we were panicked, we explained we did NOT make that transfer. They then asked us to verify security codes to our phone to ensure our protection. We doubled check the phone number and it was the same as on the back of our ATM cards. We had no reason to believe this was a scam. They had all our information and verified all my account information as the scammers had compromised Bank Of America, otherwise how would they have had all my bank account information. We quickly this was fraudulent but not until our money was already gone. We went into the branch first thing the next day and closed all our accounts and transferred all the money we had into a CD for protection. The claim was filed by a BOA associate by phone earlier that same morning and that associate filed the claim as fraud. We never heard back regarding our claim and followed up about XXXX weeks later only to learn that the claim had to be re-filed as a " SCAM ''. They explained the only way we would get our money back is if they recovered the funds. This is now XXXX weeks after the initial transfer that was made. At this point we knew because they initially filed incorrectly that the chance of recovering funds were slim. Of course they then denied the claim. Again I only found that out from my follow up call around beginning of XXXX. They then filed again for a reconsideration. That was also denied. I then filed a complaint with CFPBXXXX XXXX, and Federal Reserve XXXX help. Once BOA received my complaints I immediately received a call from XXXX XXXX ( XXXX and she explained she would re-submit my claim. Today on XX/XX/2024 at XXXX XXXX. I received another call from Bank of Americas claim 's department XXXX. Luckily I was driving and could not answer. Once I got home, I called the number back and the representative explained that the bank did not call me, yet the number when I called back went directly to the claims department. This is EXACTLY what happened the first time when we were victims of the {$2500.00} withdrawal. I don't understand how an institution that is supposed to protect their consumers can take no responsibility for scammers using their secured lines and getting access to all my information to have my checking account emptied!!! I have been a client for 14 years and this has been the worst experience ever. I would not have been exposed to XXXX had it not been for Bank Of America XXXX app.
Product: Checking or savings account

I received an email on XXXX  that an account was opened in my name with Chime bank. It was unauthorized. They closed it upon request. However, if someone was fraudulently opening accounts with my social security number they wouldnt be using my actual email address. I believe Chime illegally opened the account on their own.
Product: Credit reporting, credit repair services, or other personal consumer reports

Our Account with Capital one has always been set to auto pay. We received a notice that we owed {$110.00} and our minimum payment of {$25.00} was missed and they reported that we were 30 days late in XX/XX/2022. This brought my Credit Score down XXXX points. This issue that I have is inaccurate Reporting by Capital One. They are claiming that we are 30 days late, and I spoke with a supervisor, and he stated that we were late on XX/XX/2022 and XX/XX/2022. With this said, Capital One 's claim is that we were 60 days late. The Credit bureau is showing 30 days late. As stated, we had our account on auto pay. If you look at my credit report, my credit is excellent, and there is no indication of habitual late payments. We want our account history cleared, and to show current and paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MY CONCERN, I'M ASKING FOR HELP AND WILL ATTACH ALL DOCUMENTS FOR THIS MATTER. I AM A VICTIM OF IDENTITY THEFT AND I HAVE TO CONSTANTLY TRY AND RECTIFY THE EFFE CTS AS ACCOUNTS, NAMES AND ADDRESSES THAT HAVE BEEN USED FRAUDULENTLY CONTINUES TO REPORT TO MY CREDIT REPORT. THE ACCOUNTS ARE IMPACT XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NAMES ARE XXXX XXXX, XXXX XXXX, XXXX XXXX AND ADDRESSES ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. PLEASE SEE ALL DOCUMENTS ATTACHED. THESE ACCOUNTS ARE AFFECTING MY LIFE AND IS CAUSING ME AND MY FAMILY BIG ISSUES WITH NOT BEING ABLE TO MOVE AND LEAVING US WITHOUT TRANSPORTATION.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/2024, I was misled into taking a loan under deceptive and predatory terms. During a conversation with the companys representative, I was told the loan would help consolidate student loans and manage education-related expenses. Based on these representations, I agreed to take out the loan. However, the loans promissory note explicitly prohibits the use of funds for postsecondary education, which directly contradicts the stated purpose during origination. This constitutes misrepresentation and deceptive advertising, violating the Truth in Lending Act ( 15 U.S.C. 1638 ) and Missouri Merchandising Practices AcXXXX ( XXXX XXXX XXXX  ). 

The loan terms are unconscionable, with a 29.95 % APR and a {$990.00} origination fee10 % of the loan amount. The total repayment of {$19000.00} is more than double the principal amount, reflecting predatory practices designed to perpetuate debt. Furthermore, I was not informed about my right to opt out of the arbitration clause within 30 days, and the lack of clear payment breakdowns violates transparency requirements under TILA. 

These terms and practices have caused significant financial hardship, including high monthly payments that strain my ability to support my household as a single mother. I demand the immediate cancellation of this loan and a full refund of all payments made to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, DEPT OF ED/XXXX, DPT ED/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiries : 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 I XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX, I purchased a 3 year / 36,000 mile lease on a new XXXX XXXX XXXX with 2 additional lease protection items : BMW Tire & Wheel Protection with cosmetic repair, and, Excessive Wear & Tear Protection. 
I purchased my lease through BMW Financial Service at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, PA. 
My down payment was {$7300.00}. 
The additional costs of the Tire & Wheel protection package was {$1500.00} and the Excessive Wear & Tear was {$1700.00}. 
On XX/XX/XXXX, I ran over a pot hole that caused significant damage to the driver 's side front tire. 
On XX/XX/XXXX, XXXX XXXX XXXX informed me that the damaged tire would have to be replaced, and was covered by the Tire & Wheel Protection plan ( subject to a {$50.00} deductible ), and that my other 3 tires would have to be replaced as well, at a cost of roughly {$1400.00}. 
As of XX/XX/XXXX ( when my vehicle was towed to XXXX XXXX XXXX for repair ), the mileage on my vehicle was XXXX miles. 
My vehicle and/or tires are defective. 
I have less than 10k miles ( in 17 months ) and I am expected to replace all of my tires because of damage to 1 tire. 
My 3 year lease includes 36,000 miles. If I have to replace all 4 tires, every XXXX miles, that is {$4200.00}. Adding that cost to the cost of the protection package ( {$1500.00} ), then the costs for tires alone, over the term of my lease is {$5700.00}. 
BMW NA advertised my new vehicle lease through BMW Financial Services, as " No-cost maintenance ''. 
Spending {$5700.00} for tires over the course of my 3 year lease is significant cost, not " no-cost ''. 
XXXX XXXX XXXX took off the cost of 1 tire 's replacement, so my bill for 2 tires + {$50.00} deductible was {$730.00}. 
I have contacted BMW NA and BMW Financial Services and have not received any appropriate responses. 
While BMW NA did not manufacture my tires ( XXXX did ), they did manufacture my car, and the tires that came with my car were at their discretion, not mine. BMW NA and BMW Financial Services have deceived me into purchasing defective products with no recourse other than to fulfill the terms of my 36 month lease. 
Defective products and false advertising were offered to me with no suitable recourse other than to continue paying exorbitant charges and fees on said defective products. 
BMW NA and BMW Financial Services ( my lease agreement ) are behaving irresponsibly and acting in bad faith. 
It is not appropriate for a " new vehicle no-cost maintenance '' 3 year lease to incur {$5700.00} in additional costs for tires. It is unacceptable.
Product: Mortgage

I have two home mortgages that were enrolled with XXXX XXXX, under the false advertisement of them collecting and submitting my payments bi-weekly. Our mortgage lendor clearly indicated we would save money by paying biweekly through them. I was unaware that they were not sending payments bi-weekly until this year when I started receiving account statements. I had never received statements until now, only letters stating they were withdrawing the money biweekly. I called them immediately and they claim that my original paperwork stated they were only holding the money and paying it by the due date. 

In my research, I have now found their consent order. I received NO notification about this, and could not register for repayment because I knew nothing of it. I have all paperwork ever sent from them, and there is nothing about the order to refund payment, or a deadline to do so. 

I would like help canceling their 'services ' so I do not have to start a long drawn out battle like I've seen others have had. I would like my fees refunded since inception ( XX/XX/XXXX and XX/XX/XXXX ).
Product: Credit card or prepaid card

I have an Aspire Credit Card. I made a payment on XX/XX/XXXX for what I thought was the XXXX and XXXX payments, that is what it showed as Due. I don't have another payment showing Due until XX/XX/XXXX but the amount does not look correct- they are sending the request only via text to my phone. 

I signed up originally - request paperless statements to be sent to my email. Which they have the correct email. But I have not seen any statements. 

I usually check my account online to verify charges, statements, etc. They now have locked me out of my online account, even though I made a XXXX payment and the XXXX is not due yet. 

I have called several times their Customer Service Number which is out of the country. They keep routing it to Collections who refuses to unlock my online account or send me the statements for XXXX UNLESS I pay them what they are demanding first. 

I can not pay them until I SEE the statements or preferably gain access to my online account to verify the charges and amount they are demanding. 

I WANT to pay them. In fact I hope to PAY them OFF and get rid of this card!
Product: Mortgage

I have discovered the enclosed Assignment of Mortgage executed and recorded/filed on XXXX XXXX, XXXX on this loan was robo-signed. 

No Assignment of Mortgage in this action exists that shows how and when the Federal Deposit Insurance Corporation ( FDIC ) became the Assignor/Old Lender on the subject loan and how it 's still acting on XXXX XXXX, XXXX as the receiver for Washington Mutual Bank, XXXX, which has been publicly out of business since XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

I'm reaching out regarding these fraudulent items for assistance to REMOVE them from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my EQUIFAX credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. Under the Fair Credit Reporting Ac t, 15 U.S.C. 1681g I  have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required und er Section 611 ( a ) ( 5 ) (   A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FC RA 15 U.S.C. 1681i,  all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.   Please provide me with a copy of an updated and corrected credit report showing these items removed.   The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance  C. Employment D. Court Orde r The following credit inquiries are related to none of the aforementioned permissible   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   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: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX {$5300.00}