23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

we leased a Fiat 500E for over 20 months on a XXXX lease, and decided to terminate the lease early. We than were told be Chrysler Capital that our final bill was more than XXXX, which is more than half the price of a new car. 

here 's detail : Prior to the termination of a 36-month lease at the XXXX month, a customer service person of Chrysler Capital informed me through telephone consultation on XX/XX/XXXX that, for the early termination they would charge me approximately USD XXXX as an early termination fee in addition of the normal end of lease termination fee. It was based on this information that I decided to terminate the lease and consequently returned the car to XXXX on XXXX XXXX. 

On XXXX XXXX, I received a written notice from Chrysler Capital that the total amount for the early termination was {$27000.00}, subject to a final bill ( XXXX ). Out of shock, I called their customer services hotline immediately. To my aghast, their representative denied the early conversation that I mentioned above. 

In any event, the amount of {$27000.00} as the charges for the early termination is preposterously outrageous. It is almost as much as the price of a new car of the same specification. 

The next day, I called your company again, requesting a copy of all documents in support of your claim. Only after about 2 weeks did I receive a scan copy of a contract that was completely illegible : XXXX pages that were originally printed on XXXX paper were now squeezed into only XXXX page. 

Despite of my repeated requests of a copy of the normal or legible size of the contract and your customer service representatives ' consent to do so. After almost 2 month, I finally got the final bill and scan of the contract. 



I also attached a pdf of our lease payment statement.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$14000.00} ; XXXX  XXXX XXXX : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Mortgage

2017 and previous. The private lenders are insisting that the buyer uses their title company in order to close the file. This is not the first time this has happened. Is there not a ruling against this.
They then say if they do not close with the certain title company the buyer can not get the loan ( sometimes )
Product: Mortgage

My house has already gone through the process of foreclosure. I was notified by my insurance company that XXXX requested to be added to my insurance account just a few days ago. Afterwards, I contacted XXXX and from there learned that Superior Court already had documents pertaining to a foreclosure, but I 'm still in the home. I picked up documents from a case that was filed and documents that show XXXX and others holding my title at this time, and I was never notified. The filing process started back in XX/XX/2016. Please see documents attached.
Product: Checking or savings account

Received a letter in the mail dated XX/XX/2017 saying a deposit account was opened at Wells Fargo, where I already have a checking account. The address marked on the envelope was also altered from the address that I registered on the account to a non existent address. When I went to acquire about the account I noticed my social security number was changed, for the second time since opening the account a couple months prior. So I changed the social security number back to what it was when I opened the account. The bank said they couldnt find the account that the letter was about, later I found a chase private client card with the exact same 16 digit card number as my Wells Fargo card for my account after the account was closed. ;
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - This company ( XXXX  ) increased my credit limit at my request. I began to order more items from XXXX because at the time they had really good items. I made the fatal mistake of taking advantage of their no interest purchase on items over a certain price point. XXXX nor XXXX were ever able to explain how it worked. One day I looked at my statement after making several purchases on this program, to begin paying them off. The statement showed the balances on the purchases much higher than I'd anticipated and the payments I was making should have been credited. XXXX finally said they credit the majority of any payments to regular payments and interest then to the purchase with a deadline on them! My statements showed that I had paid them down and some should've been paid off earlier ( I have every statement to prove it, too big to upload here ). When I made a really large payment months later, to pay down the balances before I knew any of this, it was not credited appropriately to those items or to the acct. as I was told. The chunky payment should've eliminated 2 items still leaving enough for a payment. We ended up in a huge dispute which NO ONE at XXXX ever resolved even when I put it in writing as they insisted. They cancelled my limit increase, placed it at my outstanding balance, never responded to any of my requests to acknowledge or resolve the disputes, then closed my card & charged off the balance due. Then they showed my balance as {$2100.00} & my limit as {$1600.00} which is FALSE AND INACCURATE! My limit was {$2200.00}, the balance at charge off was around $ XXXX because I refused to pay them until they corrected it. They refused to correct it hence the charge off & excessive fees. See attached statements with proof of the original {$2200.00} limit vs the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In section 15 you sc 1681 section 602a State I have right to privacy 15 USC 1681 section 604a section 2 it also States a consumer report agency can not furnish an account without written instructions USC 1681 c A5 section States no consumer reporting agency may make any consumer reporting containing any of the following of information any other adverse items of information which in a dates the report by more than 7 years other than records of convictions of crime in accordance with The Fair credit reporting act the list of inquiries has Violet my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 USC 1681s-2 A person shall not furnish any information relating to a customer or consumer or reporting agency if the person knows or has reasonable cost to believe that the information is incorrect
Product: Debt collection

I am not liable for this debt with Self Financial Bank. I do not have a contract with Self Financial Bank. Under 15 usc 1692c- I Rodney L Conte as the consumer can refuse to pay a debt collection. 15 USC 1681e ( b ) Compliance and procedures I demand to see verifiable proof ( i.e : an original consumer contract with my signature on it and yours thats on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. Your failure to positively verify these accounts has hindered my ability to obtain credit. Under the Fair Credit Report Act, unverifiable accounts must be DELETED in 30 days.
Product: Credit card

In XXXX of 2014. I was on an extended holiday in XXXX XXXX. I attempted to use my Amazon store card to purchase items from there and have them sent to where I was residing. They stated they needed my store card number, I had done this in previous years, this was the first time they had requested that information, I was told it was a new consumer protection move. It was instead a requirement of the cards new issuer, synchrony bank. As I did not have the card with me, and my husband could not locate it at home, they agreed to issue a new card, which they did do. The first month after the issue, I went on line to pay my bill the online statement reflected that I owed XXXX, and my payment was XXXX, the online payment Center would not accept a payment. After several phone calls by my husband, we gave up and he ended up paying my bill by phone, out of his own account. All the while the automated statement reflected that I was paid in full, even though I knew this was inacurate. This is still going on. When I got home it took XXXX phone calls over 2 months to attempt to resolve the issue, in XX/XX/XXXX I was given a different set of payment instructions, as their on line payment button still reflected the totally inacurate information, verifying I was paid in full. The new payment method worked for two months. This month I went on line following the information they gave me it no longer works and my account once again innacuately reflects I owe XXXX. When I called them they gave me an entirely new set of directions, which require me to go to their own site to pay my bill. They flat out refused to fix, or explained why the button that you press to " pay your Amazon store card '' doe not work. They also refused to explain why they did not care to fix it, or provide a working link to their own site, that interfaces with the Amazon site. It is my contention that synchrony bank is deliberately doing this to collect late fees they are not entitled to by luring customers ears into believing they have no monthly payment due. This has happened in my own case, it may have also potentially damaged my credit score.
Product: Payday loan, title loan, personal loan, or advance loan

Affirm is a loan option stores used to allow you to make small payments. I returned the item I was provided a loan for. The company, XXXX XXXX, acknowledged the return and informed Affirm. Affirm canceled the loan but did not refund the payment I made. After contacting them ( well past the loan being cancelled ) they informed me my credit would arrive and it has still not.
Product: Money transfer, virtual currency, or money service

I have been trying to " verify '' my account with Binance.US since XXXX. I have sent them the documentation that they requested multiple times, which they keep rejecting, stating that my address does not match ... which is untrue because all of my information is the same on my license, on my bank account, on everything. 
They will not release my funds until I am " verified '', but they won't verify me. 
This is now six months that they have held my funds hostage. 
They have no incentive to release my money. They can keep denying me indefinitely. 
I have sent dozens of emails and filed multiple tickets. They take months to respond.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Privacy Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> TD Bank Dispute Resolution Department XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Urgent Dispute and Request for Immediate Removal of Secured Credit Card Account To Whom It May Concern, I am formally disputing the secured credit card account ending in XXXX that was opened in my name. I was under the influence at the time and did not fully understand the terms and conditions. Furthermore, this account was the direct result of human trafficking, and its continued presence on my credit report has caused me significant and ongoing harm. 

Under federal law, specifically the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-2 ), I have the right to request the blocking and removal of any information related to a financial transaction that was a result of human trafficking. This law explicitly protects survivors from further financial and reputational harm caused by fraudulent or coerced accounts.

Additionally, under the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ), financial institutions have a legal obligation to ensure consumers fully understand the terms and conditions of their accounts. Given my medical condition at the time, I was unable to provide informed consent, making this account invalid. 

I demand the immediate removal of this account from my credit report. Should TD Bank fail to comply, I will pursue legal action on the grounds of negligence, consumer fraud, and violations of federal protections for human trafficking survivors. TD Banks failure to take appropriate action would indicate complicity in financial abuse, a serious and inexcusable offense. 

There is no excuse for this. I expect a written confirmation of the accounts removal within 15 days of receiving this letter. If this issue is not resolved promptly, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the Office of the Comptroller of the Currency ( OCC ), and legal counsel. 

I trust that TD Bank will act in accordance with federal law and immediately take corrective action. 

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

I submitted a on time payment to Navient for the month of XXXX on XX/XX/21 and for some reason they are reporting the payment as late and I have to resubmit the payment. As a result they reported that I paid them late and this dropped my credit score 51 points. I would like this rectified and for them to remove this late payment/notice from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

student loan with fed loan reporting to my credit file that doesn't belong to me email company and send letter by mail asking proof of document have not gotten anything or hear back from them account was removed from my credit file but then 3 month later put back on
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting information from XXXX XXXX be removed from my report. They removed 2 accounts from my credit due to not be able to verify them, but they recently added them back which is illegal. Once something is removed you can not add it back. They did this on my XXXX report between XXXX and now. For account beginning XXXX, on my XXXX it shows the account was opened on XX/XX/XXXX and show date of last activity as XX/XX/XXXX and the original creditor as XXXX XXXX  and on my XXXX, it shows Date opened as XX/XX/XXXX, date of last activity XX/XX/XXXX. This is definitely not my account and is blantantly obvious that it is inaccurate. How can an account be opened on XX/XX/XXXX with the date of last activity showing as XX/XX/XXXX. I submitted a previous dispute with XXXX XXXX due to the fact that this was not an account of mine and because XXXX  has not been accurately reporting my accounts and updating my report. On my experian report this same account is showing date opened as XX/XX/XXXX and date of last activity as XX/XX/XXXX. I ask that they verify and validate this account by providing an original contract with my handwritten signature. The next account with XXXX begins XXXX. On my XXXX report it shows date opened as XX/XX/XXXX and date of last activity as XX/XX/XXXX. For experian this same account shows date opened as XX/XX/XXXX and date of last activity as XX/XX/XXXX. The same account shows on Experian with a date opened on XX/XX/XXXX, date of last activity XX/XX/XXXX. You can not have a date of last activity that comes before the date the account was supposedly opened. This company has been purposely padding my reports with incorrect information. The more I dispute the inaccuracies, the more they pad my reports with fraudulent activity. The next account begins with XXXX with XXXX. On my XXXX it shows the account was opened on XX/XX/XXXX, date of last activity XX/XX/XXXX, on Experian it shows date opened XXXX and date of last activity XX/XX/XXXX and for XXXX it shows date opened as XX/XX/XXXX, date of last activity as XX/XX/XXXX. This is not my account as I have stated in every single dispute. This should show that they are inaccurately adding information to my report. The next account begins with XXXX on my XXXX report that shows date opened as XX/XX/XXXX and last activity as XX/XX/XXXX. Another account that is not mine. They did not even list the original creditor which proves they are adding information to my account that is fraudulent. None of these accounts have been verified and validated with the original contract with my handwritten signature.
Product: Vehicle loan or lease

I got sick and had to have XXXX XXXXXXXX in both XXXX of XXXX then again XX/XX/XXXX. I was out of work from XXXX XXXX. I attempted to work with company to lower payments and/or put those payments towards end of the loan. They stated the loan was too new, eventually deactivated my online login. Eventually they wrote the truck off, I then received a letter from attorney demanding XXXX. Yet on my credit they already wrote it off.
Product: Credit card

Goldman Sachs abruptly closed my Apple Card and e-mailed me a form letter stating that I had violated the user agreement. I have NEVER missed a payment and I have never used the card to violate any terms listed in the user agreement. 

I asked for an explanation and apparently, Goldman Sachs doesn't know why the account was closed. I have great credit and I have never missed a payment with anyone.
Product: Credit reporting or other personal consumer reports

writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. Account : XXXX XXXX XXXXXXXX number account XXXX XXXX XXXX  XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. Attached you will also find my ID and my Proof of Address with my most recent bill.
Product: Checking or savings account

OnXX/XX/2018 I swiped my debit card at my child 's daycare in the amount of XXXX. That day I noticed 2 transactions for the same amount pending on my account, I called the daycare who stated they only had one charge on their end of the day paperwork. I waited until the second charge cleared and submitted a claim to Bank of America. My bank submitted the funds right back in to my account the next day pending their investigating. My account shows a debit for XXXX and also what they called an ACH for XXXX to the same merchant on the same day within seconds of each other. On XX/XX/2018 Bank of America reversed the funds stating that after review the merchant 's bank, XXXX, stated that it was a rightful charge and that I was suppose to pay XXXX on XX/XX/2018. Bank of America also sent me the information that was mailed into them from XXXX, and on the paperwork it only shows that I was suppose to pay XXXX. Still no one can tell me where the second charge of XXXX done on the same day is! I called back into the claims department and was told they could see the error and that it would be reopened and I would be credited back the XXXX. After weeks of this representative from my bank not returning my calls and ignoring me, I went into my local branch where they called the claims department with a complaint on how I have been handled thus far. Yet after a week of that going on - I still had not received my XXXX back. When I called back in again in XXXX I was told that the claim was closed and that I needed to take it up with the merchant! I have spoken to my daycare director several times and she has shown me her bank statements that show they only received the one debit for XXXX on that day. She then in turn wrote a letter to bank of America for me to fax in to the claims department in hopes they reopen this for the third time. This is my final attempt at trying to collect my XXXX back that no one seems to have or know where it went ... and both major banks have just been pointing fingers at one another since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX XXXX Collection servic Account # XXXX XXXX Lease Account # XXXX XXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian are reporting a {$1800.00} balance on my XXXX   XXXX XXXX  account. This balance was forgiven and XXXX XXXX issued a 1099-C form CANCELATION OF DEBT. Since the creditor canceled the debt and forgiven the balance it shoul be reported as XXXX since I don't owe money to them anymore. 
I disputed the account to these credit bureau companies but they just ignored my request. I would like to know the reasons why they ignored my request.