23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Good morning, I used PNC bank atm @ XXXX XX/XX/2022 to deposit {$500.00} cash onto my XXXX account. I received a receipt with the amount of funds that was deposited along with my account/card number. I checked my online XXXX account to secure my deposit, there was no money transfer. I waited to give the transfer some time to load nothing showed. 

I spoke with the bank teller, they told me dispute the transaction with XXXX, its nothing we can do on our end due to the transaction was made on a outside ATM. 

I called XXXX, they also stated there is no money deposit heading to your account, you will have to make a dispute with the bank that you deposit the money with, we can not help you.
Product: Money transfer, virtual currency, or money service

After moving to XXXX  from XXXX selling our house, and after waiting to clear all the outstanding bills in XXXX of this year I asked Capitol One to send the remaining {$10000.00} to my new address or to XXXX XXXX. Since closing my account I talked to robot ( 5x ) and 11 live people but I am still waiting for my money on which I was counting during my retirement. At least they all ( except the robot ) were very sorry and thank me for my patient, but no money. 
First they said the they sent it wrong address and since did not came back, I will have to wait three months to make sure nobody cashed it. Then on XXXX they made a new check but was undeliverable ( sent to XXXX instead to XXXX where I live ) and returned to Capitol One. Third attempt was also returned, but I do not know why because the never gave my the XXXX tracking number. After the third attempt they said that they will send me an affidavit to fill out and send it back. That also never came. I asked to send me an email, which they failed to do. It seems very suspicious, because before asking for my money they were sending me mane promotional materials using USPS and email. 
Please, contact the XXXX Capitol One, XXXX XXXX XXXX, because he may not be aware what is going on in his bank. I tried, but I am not important enough to answer my letter to him. It is possible that this delaying tactic is done on behalf of the bank or maybe some individuals are trying to get rich on my account. 

Please help me. I need that money as soon as possible. 

Thank you, XXXX XXXX XXXX. If you need additional information, I will be happy to supply.
Product: Vehicle loan or lease

I the consumer and Natural person/original creditor was denied the extension of my credit after I gave them my social security number and I received no benefits, this is proof of fraudulent activity ( unauthorized use of credit card ) which is against 15 USC 1602 ( p ), I the consumer made a application ( in good faith ) but credit was not issued which is in violation of 15 USC 1642,15USC 1681 ( m ) and 12 CFR 1002,1002.7 they are subject to Criminally Liability for violating 15 USC 1691 as I have proof that I was Discriminated against by the response I received. Averse Action against a consumer is against the law according to the Equal Credit Opportunity Act which is codified in 15 USC 1691and is pursuant to Civil Liability under 15 USC 1692 ( k ), Also violation of 15 USC 1611 which is Public Knowledge for willfully and knowingly, whoever gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued here under. they are criminally and civilly liable for actual damages pursuant to 15 USC 1681 ( m ) and 15 USC 1681o.
Product: Credit reporting or other personal consumer reports

I recently submitted an opt out notice letting XXXX XXXX XXXX know to cease all reporting on my consumer report. I have not gotten a response and XXXX continues to report on my account Letter attached below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date : XX/XX/year> OPT OUT NOTICE Dear to whom it may concern, I XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( FCRA ) I am now opting out of any and all authorizations that I may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802 effective immediately and indefinitely Please cease any and all reporting on my credit file ( consumer report ) immediately Thank you Sincerely, XXXX XXXX Furthermore, 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' However, XXXX failed to inform me of my right to exercise my nondisclosure option. 
Additionally, 15 USC 1681C ( a ) ( 5 ) states " 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. '' This account is an adverse item they are reporting again without my permission which is against the law.
Product: Credit reporting or other personal consumer reports

i am a victim of identity theft. my id was stolen and used to get loans and credit. I filed the correct paperwork and sent it to the credit reporting agencies per the FCRA. The paperwork has not been processed correctly with the disputes. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX I have not been given copies of the verification process per the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report from Transunion. The credit report showed credit inquiries that I did not authorize. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. 

Please remove this inquires listed below and freeze my account : * XXXX XXXX -- XXXX XXXX * XXXX XXXXXXXX -- XX/XX/2023 Please remove these inquires from my report within 30-day time allowed investigation period as pursuant to 15 U. S. C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquires in connection with a credit or insurance transaction that is not initiated by a consumer. 
Please, either provide me with strict proof I authorized these inquiry such as signed application or contract or recorded telephone call or delete the inquiry immediately. 
If you ignored this letter and do not delete the inquiry or do not provide strict proof of authorization I will have no other alternative than to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. Along with a litigation matter in my state court. 
Finally, under Sec. 609 Discloser to consumer ( 15U. S. C 1681g ) ( A ) Information file ; source : report recipients : every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) ( 16811h ), clearly and accurately disclose to the consumer.

( 1 ) All information in the consumers file at the time of the request except thatA ) If the consumer to whom the file relates request that the first 5 digits of the social security number ( or similar identification ) of the consumer not be included in the discloser and the consumer reporting agency has receive appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such discloser, and ( B ) Nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit score or any risk scores or predictors relating to the consumer.

( 2 ) The source of the information : except that the source of information acquired solely for use in preparing an investigation consumer report and actually use for no other purpose need not be disclose. Provide, that in the event an action is brought under this title, such shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought. 

Kind Regards, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Loan interest was more than advertised and it took longer to pay off loan
Product: Debt collection

XXXX is continuing to report a collection account that they can not verify after being asked several times. 

penn credit corp
Product: Credit card or prepaid card

LVNV LLC and RESURGENT CAPITAL SERVICES are trying. to collect a dept that I do not own. 
I never requested their credit or credit card. 
I want to dispute this debt because I know this is not my debt.
Product: Mortgage

In early XX/XX/2020, I called Amerisave to inquire about the possibility of refinancing my existing mortgage. I informed the loan originator that I wanted to subordinate an existing Home Equity Line of Credit and refinance if it would save me a significant amount of money. As selling points, he outlined three points that convinced me to begin the application process. 1-I was told that subordinating the HELOC would be no problem ( I also indicated this as my intention on the application paperwork ) 2-we would likely close the loan within 30 days 3-no appraisal would be required. 

Based on these three points, I agreed to pay the {$500.00} application fee with my credit card. From that point we waited weeks for a processor to be assigned ( I was not particularly concerned since we were locked in on our rate and I knew this was a high volume refi time for them XXXX. However, when I reviewed the application on my portal, the paperwork did not reflect my desire to subordinate the HELOC. 
When I called, it took over a week for the originator to respond, and when he did, he had 'forgotten ' that I wanted to do this. This happened on three or four occasions, and then eventually it became their mission to convince me NOT to subordinate, because it would just take too long. 
Weeks past and I continued to submit all requested documentation, and eventually I was informed that if I was to continue to subordinate, that I would need to have an appraisal done, and that my closing costs would increase because of the appraisal fee. At this point I sent multiple emails to both the loan originator and loan processing expressing my desire to terminate the process and to receive a refund of the application fee. I feel that this is completely justified due to the fact that NONE of the XXXX factors/points used to convince me to refinance ever materialized. It has been nearly XXXX weeks since I sent these emails and I have not received a response.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove this account from my report, they are hurting my ability to obtain credit.
Product: Mortgage

We previously opened case XXXX & we very specifically proved that the bank has messed up our payments & that they have admitted to these mistakes, numerous times, in writing. We also very specifically asked that the CFPB determines whether the bank 's mistakes have impacted our credit score, this has not been done yet you have now closed the case. The bank offered you a very deceiving letter, making it look as though the mistake was ours. They also mention absolutely nothing about how this has affected our credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit reporting act XXXX  Account # 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 States a Consumer Reporting Agency Can not Furnish an Account Without my written instructions. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting you this CFPB Complaint to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance Owed : {$330.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Please check the Payment History information of this account. The late history shouldn't be showing lates because I believe I paid on time. Please adjust the late payments from this account. I am not late on this account. Get it right immediately ; evaluate this reporting by revising the information provided. Modify and perform any corrections and update this from my file. 
XXXX XXXX XXXX Balance Owed : {$9500.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy.
Product: Credit reporting or other personal consumer reports

I am submitting this request to the credit bureaus hat the following accounts which I believe appearing to be erroneous and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX 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, credit repair services, or other personal consumer reports

Well, the first problem is that the affiliation that reported a missed payment ( Iowa Student Loan ) is not the affiliate in which I make payments to. I don't know if they were bought out, or my debt was sold, but either way, the payments that I make now are to Aspire Servicing Center. But for some reason its shows on my credit report as from Iowa Student Loan. 
The second issue is that they reported me to the credit bureaus as being late in XXXX of 2016 FIVE TIMES ( because I had 5 loans ) yet I was literally only late ONCE ; When I make payment to Aspire Servicing Center, they have those 5 loans combined to make ONE payment, not FIVE. This is killing my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I sent in letters expressing some items that I am in disagreement with on my credit report. I kindly request that you guys fix the errors on my report
Product: Checking or savings account

I XXXX XXXX went to close my bank checking account at TD Bank and the manager told me that my account would be closed automatically after 30 days if no charges were posted. 
And the reason why i am here today is to inform that i never was notified by the Bank Institution allowing me to know that my account was overdraft with extremely high interest rating posted on my XXXX report preventing me to open a new bank account anywhere in U.S.A. 
I also recently Filled a consumer Complaint with my Attorney 's General and XXXX regarding this issue. 
Reason why took me so long to solve this issue was only because recently i went to try to open a bank account and i got denied because of what TD Bank is charging me out standing fees that i don't believe these fees were supposed to be charged to begin with because my account was closed by me before these fees were applied. 

Thank you very much for your time and hope to hear from CFPB as soon as possible to help me waive these outrageous Bank fees.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX and their affiliated bank Comenity regarding deceptive practices related to a credit card I obtained approximately five years ago. I believe I was misled by the terms of the credit card agreement, specifically regarding deferred interest. 

When I signed up for the XXXX credit card, I was not clearly informed that the card carried a deferred interest feature. The representative who assisted me did not adequately explain this crucial detail. Instead, they helped me establish a payment plan, emphasizing that with a larger upfront payment and automatic payments, the balance would be paid off within the promotional period My son 's email address was mistakenly used on the account. The bank sent emails with subject lines containing phrases like " promotional offer, '' which, as is common with many companies, were disregarded as marketing solicitations. I never received clear, direct communication explaining the deferred interest terms. 

I diligently made payments, including a significant upfront payment, and consistently used the automatic payment feature. By XX/XX/XXXX, I had paid approximately 90 % of the original {$9000.00} purchase, leaving a balance of roughly {$1000.00}. Unfortunately, the promotional period ended, and I was subsequently charged approximately {$11000.00} in deferred interest. 

On XX/XX/XXXX, I paid the remaining {$1000.00} balance, as well as an additional {$420.00} in accrued interest. I am now requesting that the CFPB investigate this matter and assist me in obtaining a waiver for all the interest charges. I believe the bank 's failure to clearly disclose the deferred interest terms at the time of signing, coupled with the misleading information provided by the representative, constitutes deceptive practice. I was led to believe the balance would be paid off within the promotional period, and I acted in good faith to meet that goal. 

I have attached copies of the credit card agreement. I would appreciate your assistance in resolving this issue and preventing similar situations from happening to other consumers. 

Thank you for your time and consideration.
Product: Checking or savings account

All extra fees from Navy Federal - debt card and credit card- they scammed customer
Product: Credit reporting, credit repair services, or other personal consumer reports

I was charged on XX/XX/21 for a {$1.00} charge to view my credit score. I was not aware that 7 days later on XX/XX/21 I would be charged {$26.00} for a subscription. No where was it listed that I would be charged this fee after the initial {$1.00} purchase. They also never sent me any email saying that I would be charged and they never sent a receipt of the order to my email as they did with the initial charge. If I didnt pay close attention to my account this could have went unnoticed as no notice was given my the company.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding XXXX XXXX Account Number XXXX Dear Transunion I am writing to dispute the inclusion of XXXX XXXX account number XXXX on my TransUnion credit report. I believe my identity has been compromised, and I want to bring to your attention the discrepancy in reporting among the credit bureaus. 

All other credit bureaus, including XXXX, have promptly removed the negative account from my credit profile upon investigation. I have evidence to support this resolution. However, TransUnion has not responded within a reasonable timeframe, exceeding 30 days for their investigation. 

Given that XXXX has already taken corrective action, I urge TransUnion to expedite the removal of the contested account from my credit report immediately. Your swift attention to this matter is crucial in rectifying the impact on my credit standing. 

Thank you for your prompt assistance in resolving this identity theft issue. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

BMW I took over a lease and BMW did not disclose the TAX that would be assessed. The original Lessor paid the entire tax at the start of the lease.

I took the lease over so as to save money on deposits and tax charges.

BMW advise that once I assume the vehicle I would just continue to make the monthly payments.

I received a bill for {$700.00}. BMW has yet to provide any paperwork reflecting the TAX charges. When I spoke to the BMW supervisor I advised him that I have assumed many cares in the past and have never paid the tax, When asked why BMW didnt disclose this information when signing the lease assumption? His reply was '' we didn't know how much tax would be charged ''. 

With the original lease the entire breakdown of the charges including the tax was listed. One my lease assumption for it had the only mention of charges for Registration, Tax, Insurance etc. When reading the paperwork it suggests the tax on REGISTRATION.

I demanded the {$700.00} be rescinded since it was not disclosed. The BMW rep advised that if I did not pay it I would be placed in collections. I paid the {$700.00} and demanded a Supervisors call back. To date no return calls were received. When call back to check the status of the call back, The reply was no one will call since there is nothing to discuss. 

Please look into the matter. If need be I have full recordings of the conversation and all paperwork. 

Regards
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX/XXXX  Account NumberXXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX