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

I had extremely bad experiences with XXXX XXXX XXXX. Following normal practice, I prepared a document and contacted their Customer Service via their web-based portal. Here is the correspondence : I filed my complain on XX/XX/XXXX, which was answered on XX/XX/XXXX. 
I replied to XXXX on XX/XX/XXXX that their answer is unacceptable to me. 
XXXX replied on XX/XX/XXXX, which was referring to an incorrect date and had practically identical content. Actually, this made me to contact your office. 
I replied to XXXX on XX/XX/XXXX that I would stop communicating to them and will find remedy in different way. 
All documents are compiled into the attached PDF file. 
Thank you for your help!
Product: Debt collection

During the term of the lease agreement in my monthly payment was an extra/additive optional charge, I agreed to and paid, to cover " Excess Wear and Use '' This was paid monthly ongoing for duration of the lease to protect me from excess wear and use charges at the end of the lease term. At the end of a lease term Toyota Financial sent me a bill for {$20000.00} for " excess wear and use. '' I disputed and sent them a copy of the page in my signed lease indicating I had paid for this extra coverage during the term of the lease. Toyota NEVER responded. They instead sent this amount to collection via XXXX XXXX XXXX. I then submitted my documentation and copies of my attempts to communicate with Toyota Financial to XXXX XXXX Solutions, I never heard from them either. In reviewing my most recent credit report I found that Toyota Credit Corp had posted this to my credit report as a " default, '' negatively impacting my credit profile and credit score
Product: Debt or credit management

This letter serves as a formal complaint that they are reporting in accurate and incomplete information on my credit report. The notation of the following late payment is in accurate. Please reach out and verify that all data for this account is reporting accurately, including every time late fee and date and balance, whether reported or not. 15 USC 2b. I respectfully request to be provided with proof and those payments were in fact late. By the provisions of the consumer protection law, I demand that it failed to do so or liking proof of these payments being late please update my payment panel paid as agreed never late and supply a corrected credit profile to creditors who have requested a copy of my credit report in the last six months. 15USC 1666b I am also requesting the description of the procedure used to determine the accuracy of this information. I have read that this must be provided within 15 days. I also read that under federal law. They have 30 days to complete the investigation. USC 1681B I am understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 days of the receipt of this letter or you must remove the incorrect information. 1681C 2 A consumer reporting agency shall block the reporting information of any information in the file of a consumer that the consumer identifies as information that resulted as a ledge, identity theft, not later than four business days after the date of receipt. If 30 days pass, you are in violation of this law. Because I am a victim of identity theft please delete these items immediately. Please send me an updated copy of my credit report to the above address, thank you so much for your prompt attention time and help in this manner.
Product: Checking or savings account

I am writing to file a formal complaint against BMO BANK regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. 

On XX/XX/2024, I notified BMO BANK that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliate third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 

I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution.

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that BMO BANK has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing including the potential for identity theft, fraud, and other financial harm. 

I kindly request that the CFPB investigate this matter thoroughly and take appropriate action to ensure that BMO BANK complies with all federal regulations and laws, including the GLBA to protect the privacy and information security of consumers like me.

Additionally, I would appreciate regular updates of this investigation and any action taken to address the violations committed by BMO BANK.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went in to acquire a car and was under the assumption that I was entering into a consumer credit transaction. I was then advised I needed to make a cash down payment, which is in direct violation of TILA, then later found out the transaction was turned into a security backed asset without full disclosure and my private source data was used and disclosed to a third party that I didnt do business with, again without my knowledge permission, and/or consent. Which constitute fraud and breach of contract solely for the disclosure of information without authorization. Its negatively impacting my private consumer credit report, with fraudulent information and values credit transaction reporting, including but not limited to late payments which is not considered a credit transaction.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX  bal. {$3100.00}, XXXX XXXX bal. {$900.00}, XXXX XXXX bal. XXXX, XXXX XXXX bal. {$0.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I previously disputed this account stating : ''I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX Flexible spending credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$9600.00}. 
I previously disputed this account stating : ''I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible.
Product: Credit reporting or other personal consumer reports

I cant believe itthis morning, I found inaccurate accounts on my credit report, and I have no clue where they came from. I regularly check my report, and this has never happened. I refreshed the browser, thinking it was a glitch, but nothing changed. I really need the documents I submitted to be reviewed carefully so I can finally put this behind me.
Product: Credit card

Prosper Credit Card I got a little behind on my payments and incurred a late fee which put me over the limit and so I got an over the limit fee. Even though I made payments on my due dates they were not enough to cover the insanely high fees they started tacking on which drove my minimum due way up to a third of the balance and also drives the interest up to an unmanageable amount. So I canceled the card to get the balance paid down. They took away any access to my account online or in app so I have no real time monitoring of my account and what fees are being charged and I can not make payments. Every time I have to call and get transferred and its at least a half hour process every time. This month their department that can take my payment was apparently closed on my due date. Although they were open as someone took my call but they were just unable, I was told, to take a payment from me. So I get another late payment fee added. Its shady and wrong that not only do they keep adding insanely high fees and take away account access, but they make it difficult to make a payment and frequent payments as I get money so I can pay down my debt. I feel its shady, wrong, deceitful and predatory practices by a company taking advantage of its consumers. I now owe a third of my original balance just in fees and making a payment is very difficult.
Product: Consumer Loan

Construction Loan Company ( Greensky ) released {$1000.00} to XXXX XXXX XXXX ( contractor ) without costumer 's ( me ) authorization or any work done. As soon as I got the first loan statement, I called the loan company to complain about the unauthorized released funds and to put a stop payment to any other non-authorized sums. Greensky kept sending the statements showing the {$1000.00} balance for several months ; after contractor failed to do any work on my property I cancelled the project or contract. I called the loan company to file a complain ; they reviewed the complain and for several months I did n't hear from them, then three months ago they started sending the statement again. When I called them, they claimed the {$1000.00} was now a cancellation fee! I have spent hours in the phone with them trying to solve the situation, I agreed to make a payment by phone because they threaten to damage my credit report ; they also said that if I paid they would n't charge any interest on the loan ; but now they are also charging interests. So I called them and I said that I was disputing the bill and that I would file a complain with the CFPB. The loan company says I have to deal with the merchant ( contractor ) and try to get the money from them ; but in my cancelled contract it said that it was illegal for the contractor to collect funds for work no yet completed. Greensky released the funds without my authorization for work that was not done.
Product: Mortgage

Bank Of America and XXXX XXXX XXXX XXXX is blocking the refinancing of my mortgage with XXXX. Even though, I only have a XXXX mortgage with them. They are claiming I have an equity line or XXXX mortgage with them in the amount of {$93000.00}. I have never requested an equity line or a XXXX mortgage from either of these entities. Yet they are refusing to let my refinancing proceed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX I have tried requesting a copy of my credit report over the phone and in writing, I have also tried getting a copy of my credit report from XXXX XXXX XXXX and XXXX, Experian, and XXXX are refusing to allow me access to my credit report. I am requesting that they send me a copy of my credit report so that I can check the status of any accounts that are on there as there me be fraudulent accounts on my credit report. As a US citizen I am allowed a copy of my credit report, and I am also a allowed a free copy every 30 days
Product: Credit reporting or other personal consumer reports

Somehow XXXX XXXX opened XXXX accounts under my name and cc/ but when I try to log on to see my statement or make a payment it shows my original account which is all paid and XXXX due. I have contacted them numerous times asking for help with this and not once have they been able to delete my original account number, or provide me with access to my new account number, or some how connect the XXXX so that I can access it and make payments. Due to this I was unable to figure out how to make a payment because everytime I logged in or called it says you have XXXX do at this time.
Product: Vehicle loan or lease

Attached please find the accounting from Capital One Auto Finance. Looking at the history from the Creditor it appears that the Creditor filed a proof of claim in the amount of {$30000.00} and the XXXX 's office also paid {$2100.00} in interest which is a total of {$32000.00} Capital One showed a balance of {$26000.00} as of XX/XX/2021 ( bankruptcy filed XX/XX/2021 ) Total Payments made by XXXX {$8200.00} Total Contract - {$38000.00} Total Payments between us and the XXXX  XXXX Trustee - {$41000.00}. 
Overpayment of {$2400.00} This is per their own records, which I have attached everything again for you for your reference and review. 
I also wanted you to know that it is not just harassing telephone calls, but it is also emails about XXXX times a week. 

Thank you for your time and consideration in this matter. 

Kindest Regards,
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of XXXX XXXX. I have never been put on XXXX XXXX. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Product: Student loan

My Name is XXXX XXXX and I have graduated from XXXX University XXXX XXXX Nj in 2013 with nothing more than the daunting and draining stress of my student loans. I started paying back interest while in school, which was about {$520.00} on a quarterly basis ( mostly from the help of my mother ) and tried to consolidate my loans soon after graduation, but NJ Class was neither informative or helpful. I paid back as much as I could on time until things became unbearable and it spiraled out of control. Two years later, I 'm still struggling with repayment and the customer service with NJ Class has gotten worse. When I call to speak with someone about repayment and my financial situation I am spoken down to, rushed off the phone or even hung up on. I was even told " if you ca n't pay back the {$1500.00} a month there 's no point in paying {$500.00} a month because we will still garnish your mother 's wages ''. That is neither helpful, professional nor ideal feedback from a business. I understand that workers of student loan companies deal with a lot but the fact of the matter is, if this is the career they are in, professionalism must always be present. 
I am currently trying my best to pay all of my bills and loans but NJ Class is making it impossible. This has not only caused stress for myself but my mother has to also deal with the numerous phone calls, emails and letters from NJ Class. It has gotten to the point where they ring her at work ( which is by far, very disrespectful ). My mother did a great thing by co-signing my loans, in order to help further my education but the stress of repayment is physically making her ill. Six years ago, who would have thought that I would regret going to college since it 's taking such a toll on my mother? After long consideration and the upmost support from my mother, I have decided to accept placement in XX/XX/XXXX for my XXXX 's degree in XXXX. I am weary that NJ class may not put my loans into forbearance or even worse I may not be able to take out a loan for the year. I never thought that I would go back to school, but I found exactly what it is that I want to do with my life. Going back for my XXXX at University XXXX XXXX, XXXX is all I could ever want. It would be a tragedy if I could n't attend. In all honestly, I just wish that someone from XXXX would help me. It would help lessen the stress for my mother and I. Maybe if they explained things a bit more and were n't so rude, it could be easier.
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. 

XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights .

According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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: Checking or savings account

To Whom It May Concern : It has been brought to my attention that { XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX, XXXX  XXXX } has listed { negative listing } on my CHEX SYSTEM file. To my knowledge, I have never had account with { XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX, XXXX  XXXX } ) therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from { XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX, XXXX  XXXX } copies of any documentation associated with this { negative listing } which bears my signature. In the absence of such documentation, I request that { XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX  XXXX } be permanently removed from my CHEX SYSTEM report. For your records, my contact information is as follows : XXXX XXXX { XXXX } { XXXX XXXX XXXX } XXXX GA XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/XXXX