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

I leased the car for 3 years from XXXX to XXXX. I didn't put many miles on it and I purchased the car with an auto loan from Chase ( my bank ). Chase paid XXXX XXXX on XX/XX/XXXX for residual value XXXX + tax total XXXX XXXX 
Some times last year XXXX in summer I paid off the loan. ( for some reason it disappeared from my online banking after I started to call on almost weekly bases Chase Auto Finance Title ). They sent me 2 letters with the lien satisfied but it is not enough to get a title from DMV. They need the Bill of Sale, and the Federal Odometer Disclosure plus an additional XXXX $ in taxes which in their data base is missing because Chase didn't report the sale I guess. 
Anyways, I called XXXX finance and they said the Title was sent to Chase Auto Finance on XX/XX/XXXX. A CSR from Chase confirms that the Title has been received by Chase in XX/XX/XXXX. They also opened a ticket with my case XXXX and since than I keep on calling they say in 2 days a manager will call me and nothing. The completion date of the ticket supposed to be XX/XX/XXXX but until today XX/XX/XXXX Chase didn't do anything. All they need to do is to send the title to me and also all the documentation regarding the sales tax and the odometer disclosure. I'm not sure what is the legal way to deal with this issue anymore. Please help. I'll attach the documents I have in hand for you to review them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so.Please investigate my disputes.please.Thank you.
Product: Credit reporting or other personal consumer reports

To CFPB, I have been notified that Equifax, TransUnion, and Experian all major credit bureaus were breeched. And my credit information was leaked my personal information is in danger. 15 U.S. Code 1681. I was also informed by CFPB, that XXXX XXXX XXXX a company who was supposed to be trusted in helping me consolidate my debt and helping me credit repair were stealing money from me by charging me a fee to pay my debt down. I was specifically told my information was breeched by CFPB. I have a letter with a check attached. I was also told my information was leaked in this manner as well. This is now twice I have a security breach! I challenge any item on my credit report! I challenge any XXXX notices to garnish wages. I challenge any debt I currently have as now my personal data is in breech and therefore an invasion of my privacy and it is illegal and I have now been breeched twice. I tried to do the law abiding thing to pay any debtors off but XXXX law defrauded me and the breech of the three credit bureaus also caused me harm.

15 U.S. Code 1681i ( a ), 15 U.S. Code 1681i ( a ) 6 ( B ) 3, 15 U.S. Code 1681i ( a ) 5 ( B ).

Please remove any debt that I have here because of the two above named instances of breech of privacy and leaking of my social security credit report and other private matters. 

Thank you kindly, XXXX XXXX.
Product: Mortgage

It took quite sometime to get a letter clearing the error from my credit report, that Bank of America submitted. They are still reporting my mortgage 90 days past due and Ive been unsuccessful getting to the bottom of this with the bank. The credit bureaus can only dispute it on my behalf but I am trying to get a mortgage and the past dues that are showing are preventing me from closing on my house. Im running out of time and cant reach anyone in Bank of America who can resolve this! 
This mortgage was paid off on XX/XX/XXXX. How am I 90 days past due in XX/XX/XXXX!
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 rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX 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 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: Checking or savings account

Good day : The CFPB option, ''-which best describes your dilemma? '' provided is not adequate ; describing the reason, the name of my complaint against Citibank. H I have two accounts ; Money Market. Acct. number XXXX XXXX XXXX Checking Acct. number XXXX XXXX XXXX. 

Personal Banker. XXXX XXXX, Personal Banker. 
Citibank, NA. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL. XXXX XXXX and her branch mgr stated I could not have POD 's on my accounts. 
Instead, they would be held in trust in the event I die. NONSENSE! 

The purpose of establish an account with a POD is to provide my son with immediate access to the money when I die. 

By leaving the two accounts in trust, the monies would conceivably be tied up for years before there was a decision made by the Judge / the Court. 
NONSENSE! Total investment ; {$15000.00}. 

This is OUTRAGEOUS! INVESTIGATE. This is a SELFISH ACT. 
TAKE ACTION IF MY UNDERSTANDING OF this dilemma is correct. 

Do respond one way or another. Thanks. 

XXXX XXXX. Ph. # XXXX XXXX. 
Screen name. XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX
Product: Debt collection

On XX/XX/, I went to Old Navy at the XXXX XXXX XXXX in XXXX New York ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, XXXX : XXXX. After purchasing some clothing, the clerk suggested I sign up for an Old Navyist Rewards Card. I did so, and was told that Id receive the card in the mail the following week. 

On XX/XX/2022, I received an email from Old Navy notifying me that my card ending in # XXXX had been activated. I was confused, as I had never received the card. I then received an email from Old Navy 4 days later stating that the activity on my account might be related to fraud. I immediately contacted Old Navy concerning the matter. 

Apparently, an individual or individuals in the State of Georgia had purchased merchandise totaling {$7500.00} on XX/XX/2022, the same day that I had received the email from Old Navy stating that my card ending in # XXXX had been activated. 

Following this incident of fraud, the XXXX XXXX XXXX XXXX sent a letter asking to collect the debt. Even after I explained it was fraud, they told me all they could do is lower the amount to pay. Since I refused, they told me there was nothing I could do I want to have this form fraud off of my name and be addressed ASAP
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Cell phone : XXXX XXXX XXXX I want you to investigate something that is not right on my credit report, the information I see is not correct. The law says that you must investigate it and give me an answer that is accurate. Thank you.
Product: Mortgage

After the XXXX of my father I received through title my dad 's home and it had a reverse mortgage the company I dealt with never fully explained the process. I have applied to the sameCompany twice for reverse mortgage once approved then secondly told that if I did not have a bridge amount of {$XXXX} I could not close the loan. Likewise I found a XXXX XXXX bankruptcy in this XXXX XXXX of Ohio and the company keeps coming up with objections because the original reverse mortgage was not my debt but that of my fathers. My bankruptcy attorney is working diligently to come up with some pleas ... but the reverse mortgage holder refuses to even consider any bargains so it looks like foreclosure is in my near future are there any laws they can help me obtain my dad 's reverse mortgage. Even with a XXXX XXXX bankruptcy I could pay off the debt is 5 years at 100 % it 's unheard of with this company and I need help thanks for your time and effort.
Product: Credit reporting, credit repair services, or other personal consumer reports

according to my credit report, General Revenue Corporation ( GRC ) has stated on my credit report through the Consumer Financial Protection Bureau, that I settled this debt for a lesser amount. That is not " TRUE ''. This company has engaged in deceptive practices. XXXX XXXX University told me what was due based on my student loan. The bill was paid. see attached. Now GRC wants to put on my credit report that I settled this debt for a lesser amount. 
GRC can not think that reporting misinformation about a consumer credit report, is with the Guide Lines of the Fair Credit Reporting Act. Fair Credit Reporting Act, requires that all information must be accurate. It is my understanding from XXXX XXXX that they have tried to reach out to GRC but no reply. See Attached Lastly, GRC has failed to mention that I responded back to them within their 30-day time frame back in XXXX, letting them know that it was not a valid debt, that they had received. I never heard anything from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX Balance {$500.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance {$730.00} ; XXXX XXXX XXXX XXXX {$9000.00} ; XXXX, XXXX XXXX XXXX {$1300.00} ; XXXX XXXX XXXX XXXX XXXX {$9000.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

SageStream LLC providing erroneous false information about my credit to and providing a score that is more than XXXX  points lower than XXXX, XXXX, and XXXX.They reported odd things that adversely affected my credit score such as maintaining a cellphone number that I have had for over XXXX  years and as XXXX  XXXX  I was XXXX  in different states but still maintained same number. SageStream stated this as being adverse due to " distance between address and area code of phone, '' I have lived at my current address for over 9 years and they reported " length of residence too short. '' Other two " length of time since most recent delinquency too short and too many delinquency too short '' which are both fault. They listed my credit score as XXXX. I have never in the history of my credit ever had a score in the XXXX. Whereas other reputable credit bureau list my score XXXX points higher at XXXX and XXXX. 

XXXX, XXXX, amnd XXXX also reporting erroneous information that I disputed. I have no deliquencies on my account. Nor was I deliquent on any mortgages. I request they follow up and update my credit report accordingly with accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act XXXX XXXX # XXXX, XXXX XXXX Bank # XXXX, XXXX XXXX # XXXX, XXXX XXXX bank # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX # XXXX, XXXX XXXX # XXXX # XXXX has violated my rights. 15 USC 1681 sec 602 A. states i have the right to privacy. 15 USC 1681 Sec 604 A Sec 2 : 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

You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 XXXX. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system is dependent Upon my consumer reports being fair, and accurate to me. Pursuant to 15 us 1681 ( a ) ( 1 ). Pursuant to 15 us, 1681 ( a ) ( 2 ) congress made it clear that you are an elaborate mechanism with no real standing, or authority. Pursuant to 15 486 1681 ( a ) ( XXXX ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, and those around me causing me severe hardship, XXXX XXXX, and XXXX. I have been unable to get a job because of you assuming this role. Pursuant to 15 u8, 1681 ( a ) ( 4 ) You were unfair in reporting this erroneous information without first consulting with ; me the consumer., You have no proof that this transaction even took place, You were also impartial because you allowed information to be reported while only hearing one side of the story You also infringed upon my right to privacy by having a conversation about me with a third party, and reporting this information as a result of that third party. I am demanding that this information be removed as soon as possible. Pursuant to 15 us 1681 ( a ) ( b ) You did not meet the needs of commerce because this was notFair and equitable to me. This information is not accurate, nor is it relevant to me. Nor was this False information properly utilized in a manner that is or was equitable to me. This transaction If it even took place should've been confidential so you in fact betrayed my confidence, You are in violation of 15 43c 1681a ( d ) ( 2 ) ( A ) 0 ) If this was a factual transaction ( Which you would not know because you were no there ) it would in fact be a transaction that sly took place between me and the person who allegedly made this report. So pursuant to 15 us 1681a ( d ) ( 2 ) A ) ( I ) it should be excluded from my consumer report.
Product: Debt collection

Military Star Card XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am writing to dispute a charge off on my account in the amount of a XXXX balance that never was a charge off. It never went to any collections. I am requesting that the charge be removed, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). 

Please investigate this matter and correct the reporting error as soon as possible. 

This was account was satisfied before and collect action to include any form delinquency issues this account did not default nor surpass the 210 day threshold, You can not charge off and account that has already been satisfied and closed as requested and its demanded you remove the erroneous charge-off on my credit report because legally you are obligated to do so. This situation does not fall under the 7 year disclosure because it never went to any form of collection bureau because its proven and represented that you were getting paid on a monthly basis this account was closed in good faith. At this point any further negligence from your company will be submitted up further for military further review. Disrespect like this with victimizing our well decorated veterans is not only disrespectful but will not be tolerated it discredits our military that funds this company and already at the desk of the military committee.
Product: Vehicle loan or lease

I had a car loan bank account and credit card through Wells Fargo and I was charged outrageous fees and interest rates and was not credited when car was paid off along with the gap insurance it still had interest on it.
Product: Credit card or prepaid card

Capital One=Quick Silver Credit card. On XX/XX/XXXX someone took {$150.00} from my checking account without my consent. I notified Capital One by phone of the problem and my account being overdrawn and a dispute was filed out. I was told my payment not due till the XX/XX/XXXX. XX/XX/XXXX went to bank and they notified Capital One my account problem and to rerun my personal check they would honor it. XX/XX/XXXX my checking account was refunded the {$150.00}. Credit One charged me {$30.00} for non-sufficient funds as well as a {$25.00} past due fee for XX/XX/XXXX.  In XX/XX/XXXX they charged me another {$35.00} for past due fee ( makes no sense my checks are mailed at the post office on the XX/XX/XXXX of every month when I get my SSI XXXX check ). Payment wasn't posted until the XX/XX/XXXX. Again in XX/XX/XXXX they did the exact same thing waited a day after due date to post my payment. Another {$35.00} fees charged. In XX/XX/XXXX again the same thing. In XX/XX/XXXX I called and spoke to a representative complaining about my bill. She wanted to sign me up for a Specialty Assistance Program. Told her I just wanted my bill current and to stop waiting 1 day past my due date to pay my bill and charging me late fees. What do I owe and I'll send a check in the mail. She said with the NSF and three late fees taken from my bill my balance is {$200.00}. I told her I would send a check XX/XX/XXXX for that amount and mark Paid In Full in Memo. She said make sure I put the last 4 digits of my account number on as well. On XX/XX/XXXX I sent them a letter to terminate my credit card. Amazing that check was ran as an Electronic Check Conversion for the {$200.00}. Get a email from them saying my monthly bill is ready to view. I open it and it says I still owe over {$150.00}. Call my bank XX/XX/XXXX she gives me the transfer code and reference number. They have my cancelled check. Hence, they also receive the paper showing indeed my account did come out to the {$200.00} as per the woman suggested the pay off amount was for.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Ive reported portfolio and associates
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX and I am writing to THE CREDIT BUREAUS. On this date, XXXX I have found out that I am a VICTIM OF IDENTITY THEFT and I never made the change because I was not aware until I looked into my credit report. Unfourtountly, somebody had taken my personal belongings such as my ID and social security card and began to open accounts under my name pretending to be me. Therefore, I am asking that the changes be made as soon as possible. In addition, EXPERIAN, XXXX, AND XXXX are now responsible for furnishing my NON-PUBLIC INFORMATION and sharing it with multiple collection companies and it is now affecting my credit report. According to the fair credit trade act the consumer has the right to privacy and this is a DIRECT VIOLATION OF THE GRAMM LEACH BLILEY ACT OF XXXX! I am sending out this letter to have the following information deleted from my credit report AS SOON AS YOU RECEIVE IT AND SEND ME BACK A SIGNED COPY SAYING YOU RECEIVED IT. UNDERNEATH IS A LIST OF ALL OF THE COLLECTION ACCOUNTS THAT NEED TO BE DELETED AS SOON AS RECEIVED. THANK YOU!
Product: Credit reporting

I disputed with transunion last year in XXXX about discrepancies on my credit report. The balances were in accurate. There were some accounts showing late when they were paid etc. It took about 3 weeks to resolve but we did! I asked for a copy of resolve letter and they provided me with it. So my question is this ... Why is my credit still showing all these negative accounts!!! I have the document that they sent. If this is not resolved, i will be taking this to court.
Product: Checking or savings account

Dear Current and Consumer Financial Protection Bureau, I am submitting this formal complaint against Current Bank for mishandling a dispute related to fraudulent transactions on my debit card. The transactions in question, dated XX/XX/year>, in the amounts of {$610.00} and {$690.00} with XXXX, represent payments for merchandise that was never delivered to my address. I have provided this information to Current Bank, yet they unjustly sided with the merchant, who failed to produce proof of delivery, signed authorization, or any documentation supporting their claim. 

This violates consumer protections provided under Regulation E ( Electronic Fund Transfers Act ), which mandates that financial institutions must investigate and resolve unauthorized electronic fund transfers promptly. Current Banks failure to adequately investigate and refund my funds appears to breach this regulation.

Additionally, the Fair Credit Billing Act ( FCBA ) establishes that consumers can not be held liable for charges for goods or services they never received. By refusing to credit my account for these unauthorized transactions, Current Bank is acting contrary to federal consumer protection laws. 

Furthermore, their lack of action demonstrates a failure in their compliance with the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) standards outlined by the CFPB, which require financial institutions to treat consumers fairly and resolve complaints transparently and in good faith. 

The mishandling of this dispute has caused me significant financial harm. I urge the CFPB to investigate this issue and ensure that Current Bank takes immediate corrective action, including : XXXX. Full reimbursement of the disputed funds ( {$610.00} and {$690.00} ). 
XXXX. A thorough review of their dispute resolution policies to ensure compliance with Regulation E and other applicable laws. 

I also request that this complaint be made part of the CFPBs public database to highlight the challenges consumers face when attempting to dispute fraudulent transactions. 

Thank you for your attention to this matter. I trust that the CFPB will take appropriate steps to hold Current Bank accountable. 

Sincerely, XXXX XXXX