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

This is my 5th complaint! .. company close complaint each time without answering to the point satisfactorily.. looks like clear delay n discourage tactics.. Either they do not understand the complaint or simply doesnt want to answer.. My personal data is held hostage by company and company is not disclosing specific points as to what regulation mandates to keep personal data held up when there was no monetary business as the transaction was just a sign up to digital service.. I seek below very very specific info from the company this time. I do not need timeline of past interactions directly with company 1. Copy of terms n conditions where I consented 2. Any federal guidelines very specifically asking to retain personal records when there was no monetary transaction?
Product: Credit reporting, credit repair services, or other personal consumer reports

My new York and company credit card shows the incorrect balance of {$130.00} on XX/XX/XXXXand XX/XX/XXXX I have sent in disputes to the credit reporting agencies but have yet to correct it. I have sent multiple disputes regarding incorrect balances but nothing has been corrected. I contact new York and company and have indicated they updated the balance from {$130.00} to {$0.00} balance. There is inconsistence due to my credit report shows {$0.00} balance where XX/XX/XXXX& XX/XX/XXXX shows a balance of {$130.00}. That is very inconsistent.
Product: Vehicle loan or lease

I mailed a check clearly marked LOAN PRINCIPAL to Capital One Auto Finance. This was intended to be an additional payment towards the principal on the loan, not included as part of the monthly minimum. The account is current and has never been late. This " financial institution '' blatantly ignored my instructions as to how to apply this check and chose to apply it to the INTEREST instead.
Product: Vehicle loan or lease

Between XX/XX/year> and the present, my vehicle was repossessed under circumstances that caused undue harm and violated my rights as the rightful owner. Following the repossession, XXXX XXXX : XXXX. XXXX XXXX or its agents to discard personal items from my vehicle without notifying me or providing an opportunity for retrieval. 

XXXX. Failed to disclose that the vehicle was being sent to XXXX, depriving me of the opportunity to address the situation before further action was taken. 

XXXX. Failed to properly inform me of the steps required to finalize the procurement of the vehicle. 

XXXX. Improperly titled the vehicle in the name of another party in North Carolina without my knowledge or consent. 

These actions demonstrate a gross lack of accountability, transparency, and regard for the rights of your customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone fraudulently switched the title/ownership to a vehicle I had and repossessed it back in XX/XX/2017. The DMV investigated and prosecuted this person, I never got the car back although DMV was aware that fraud was committed and I had nothing to do with it. This vehicle is being reported on my credit as a charge off with numerous late payments however I have provided the furnisher as well as All 3 credit bureaus with over 10 certified documents from the DMV showing the day the title was transferred, who actually did it, the new title to the car once it was done and an investigation report. I mailed these documents in and Ive spoken with several representatives over the phone. The furnisher is still not removing this account from my credit report nor are the credit bureaus when it was clearly fraudulently taken from me and was not a charge off, XXXX XXXX  has been aware of this incident since XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXXXXXX XXXX XXXX Date Opened : XXXX  Balance : {$0.00}, DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, 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 number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : US DEPT OF EDXXXX Account Number : XXXX Account name : XXXX XXXX XXXXXXXX XXXXXXXX XXXX Account Number : 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.

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, credit repair services, or other personal consumer reports

This company are XXXX When I canceled the first two checks for {$3700.00} and {$1400.00}, KIA finance applied them as payments and {$300.00} to interest when they should not have. They are at fault and even the lady who called me on XX/XX/22 said it was Kia finance fault because when you cancel a warranty the payments should automatically go towards the principal balance and not count as a regular payment or interest. Kia finance lied in their response, when I initially contacted the Ohio Attorney Generals office was because the XXXX dealership did not send the other checks that I canceled to apply to my principal. My letter was never requesting the ancillary product refund to be applied to only the principal balance of my account. How could I be past due when KIA applied the checks as payments/interest instead of applying them to my principal balance in the first place? Applying canceled warranties to the principal is common practice for all auto loans. They waited two months later to reapply the {$300.00} to my principal making my account past due. Also, the only reason why I paid on XX/XX/22 is due to me refinancing my car because Kia finance is a horrible company. My loan officer told me to pay for this month and I did what i was told. Attach are the documents showing Kia applying the checks as payments and interest when they wasnt supposed to in the first place. Even my current loan officer said when you cancel warranties they are supposed to go towards the principal balance not as a payment or to interest. Sadly, i did not know this at that time until the Kia representative called me on XX/XX/22 to inform me of this. Kia finance already have lawsuits for reporting inaccurate information on consumers accounts and they have lawsuits for applying payments wrong to consumers accounts! You guys had already sued hyundai for inaccurate credit reporting who is the same company as Kia finance. This is a ongoing issue that Kia finance/hyundai is doing! Attached are the documents. I never contacted the ohio general attorney office to request the checks to be applied to my balance, I do not know why Kia is lying and is supposed to be a business. This is not right!!!
Product: Mortgage

Bank of America Corp. entered a settlement agreement in XX/XX/XXXX, with the DOJ and six other states ; which included {$7.00} Billion set aside specifically for " consumer relief '' for homeowners who had been previously denied loan mods but still needed some relief such as principle reduction, reduced payments etc. XXXX Relief funds are for eligible consumers to include currently-serviced BofA home loan consumers AND ALSO former customers whose loans " were previously serviced by BofA '' but even if our loans " were no longer serviced by BofA, '' as of the Settlement date of XX/XX/XXXX. Unfortunately, as a " formerly-serviced home loan '' consumer ( XX/XX/XXXX ) I have been effectively turned away by BofA from accessing any type of application process for this consumer relief fund. Furthermore my loan was a " table-funded '' by a Countrywide name-only entity, and then serviced by XXXX which in XX/XX/XXXX was a wholly owned subsidiary of BofA, and then subsequently serviced by BofA subsidiary and former Countrywide servicing company " BAC Home Loan Servicing LP '' and then by " Bank of America , N.A . '' These BofA entities denied four loan modifications against me, despite proof of ability to pay. I have been forced into litigation to save our only home and dwelling. Now I wish to enter some modified loan / workout with current servicer XXXX, but ONLY with the additional consumer relief due from the XX/XX/XXXX settlement, i.e. 50 % principle reduction etc. as other consumers had enjoyed. 

I dispute the total amount XXXX says I owe ..due to discrepancies on escrow payments I made which they claim, and for sudden hike in interest rate even years after the non-performing loan was transferred to XXXX, and more. 
To date : it appears that though 97 % of the funds have been awarded, certainly some funds remain and the deadline for disbursement is not until XX/XX/XXXX. 

BofA acknowledges my former account / loan number and verified my seven years that BofA or one of its subsidiaries did service my loan before transferring servicing rights to XXXX ; but recently and repeatedly, several supervisory-level employees at BofA have no process for me to apply for consumer other than to refer me to the independent third-party Office of the Monitor of the XX/XX/XXXX Settlement. BofA told me that they ( or their 3rd-party contractor ) " mailed out letters to eligible consumers '' to apply for relief under the Settlement ... ' and therefore since I did n't get a letter after being service-transferred out, that perhaps my account " fell through the cracks '' while I was no longer serviced by BofA. I am asking the CFPB to help correct this, because the Monitor 's office feels it has already complied with the eligible consumers who did receive letters. I have formally asked the Monitor 's office and XXXX XXXX XXXX, XXXX Can the CFPB help monitor the Monitor and BofA for compliance of this XX/XX/XXXX DOJ settlement ?
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well 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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO LOAN OR LEASES 1. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.
Product: Mortgage

We are currently in escrow on a property and this lien holder is the 2nd deed of trust. The property has short sale approval from the 1st lien holder. If the escrow doesn't close then the property will be foreclosed on and the second lien holder will get nothing. We are requesting that they reduce the current settlement amount of {$25000.00} as the 1st lien holder will only pay {$6000.00} towards a second lien holder. The borrower is deceased so there will be no other way for this 2nd lien holder to recover money.
Product: Credit reporting

I have disputed the XXXX account that is on my credit file numerous times with Equifax. They have refused to update the information causing my credit score to suffer. XXXX is reporting the account as a charge off with the amount. However when I disputed this item with XXXX they sent me a letter advising that they no longer own the debt and that it is owned by XXXX XXXX. If this is the case the account can not continue to be reported as a charge off. It should report as a transfer or sold. Equifax has completely ignored my request to dispute this information. Each time I 've disputed Equifax just comes back ans states the information has been verified.
Product: Student loan

To whom it may concern : I have served in the United States ' federal government for over eleven years, submitted my PSLF form for complete loan forgiveness about a month ago, & simultaneously requested that my loans be placed in forbearance while forgiveness was considered. I also emailed the provider ( MOHELA ) to ask if this request for forbearance would be granted approximately a week ago ; however, instead of answering me, MOHELA has seen fit to issue me a bill which is due very shortly. 

All documentation to support my claims is enclosed & I am happy to provide more as needed. 

Please advise, thank you!
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Complaint Submission Complainant : XXXX XXXX XXXX XXXX : XXXX XXXX  Date : XXXX Subject : Disputed Credit Card Account Closure and Inaccurate Credit Reporting by XXXX XXXX  Dear Sir/Madam , I am writing to lodge a formal complaint against XXXX XXXX  regarding a disputed credit card account and subsequent inaccurate reporting to credit bureaus. 

Account Details : Originally, I held a secured credit card account with XXXX XXXX, with a credit limit of {$5000.00}. 
Subsequently, I transitioned to using a debit card provided by XXXX XXXX. 
XXXX XXXX  claims that I was moved from a secured to an unsecured credit card, which I contest. I have been using only a debit card. 
Issues and Concerns : Lack of Information and Access : After XXXXXXXX XXXX XXXX  alleged transition of my account from secured to unsecured, I was not provided with any documentation or access to account information. This lack of communication and transparency is unacceptable. 

False Allegations and Closure of Account : XXXX XXXX  has inaccurately stated that I closed the credit account, which is untrue. The account was closed by the bank itself following regulatory actions by the U.S. Federal Government. Despite this, XXXX XXXX  has falsely reported to credit bureaus that I defaulted on the account. 

Inaccurate Credit Reporting : XXXX XXXX  has reported a default on this disputed account to credit bureaus XXXX months after they were shut down by the U.S. Federal Government. This erroneous reporting is damaging my credit score unjustly. 

Inadequate Customer Service : Efforts to contact XXXX XXXX  for clarification and resolution have been futile. The contact number provided connects to an individual with limited XXXX proficiency, offering no assistance or access to relevant information. 

Questionable Business Practices : XXXX XXXX  operated as an app-based banking service, akin to XXXX and XXXX XXXX, primarily used for social media transactions. The nature of their business and the subsequent federal closure raise serious concerns about their operational integrity. 

Request for Resolution : I seek immediate correction of the false credit reporting by XXXX XXXX. 
I demand a formal acknowledgment and evidence regarding the alleged transition from a secured to an unsecured credit card, which I dispute. 
I request a thorough investigation into the practices and customer communication protocols of XXXX XXXX. 
The impact of XXXX XXXX XXXX actions on my financial standing is significant and distressing. I am seeking the CFPB 's intervention to rectify these inaccuracies and hold XXXX XXXX  accountable for their misleading and damaging conduct. 

Thank you for your attention to this matter. I am willing to provide any further information or documentation as required. 

Sincerely, XXXX XXXX
Product: Mortgage

Dear, CFPB I have a pending foreclosure issue. After dealing with numerous hardships with regards to the residence, I have been trying to rectify the default issue with XXXX XXXX XXXX to no avail. Bank-servicers have been changed a couple of times and I feel its a ruse not to assist me, instead foreclose ; against the DODD FRANK GUIDELINES. l started working with XXXX XXXX XXXX XXXX, Manager XXXX XXXX, to rectify the default, after numerous conversations back and forth, XXXX XXXX agreed, stated, " I have direct contact with loan investors '' attempt to lower the ( reinstatement-amount ) to a workable figure so l could retain my home and stop the foreclosure procedures. Unscrupulously lending practices, l was suddenly switched to another loan servicer, SELECT PORTFOLIO SERVICING, inc. and instructed to deal with Manager, XXXX XXXX. After numerous telephone calls to SPS, l finally reached Ms. XXXX due to the fact, she has no answering inbox service which is unprofessional and a time of the essence issue. Ms.XXXX, in sum in substance, stated she isn't aware of any agreement, l previously made and it is not documented in file anywhere, she isn't honoring any agreement, nor does she have direct contact with home investor! submit my paperwork for modification if l wanted to, because there isn't a court date yet! l then asked to speak with a person of authority, her Manager, she stated that I could not and hang-up! XX/XX/2018, XXXX, I received a telephone call without a message an ( hang-up ) XXXX ( XXXX ) XXXX ( UNPROFESSIONAL ) I also submitted a Debt Validation letter requiring them to furnish a break-down of list of fees charged and listed and l never received it, XXXX XXXX XXXX, had errors regarding fees they where listing in their documents, l feel this is why they negotiated with me to restate the mortgage to a normal workable amount, little did l know what was planned to transfer to another servicer ; at the ninth hour.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unauthorized hard pull credit inquiry that I didnt recognize on my Transunion credit report on XX/XX/2022. I call the phone number provided and it happens to be that of Transunion but Transunion customer service said the hard pull is not from them and the company address is not Transunion address. 
Ive ordered a freeze on my credit file on all three credit reporting bureau XXXX, XXXX and Transunion. 

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

Disputes sent by ME they dont want to investigate on saying it wasnt submitted by ME. Do they need finger prints as well?
Product: Checking or savings account

I issued a check with check number XXXX in the amount of {$1000.00} to XXXX XXXX on XX/XX/2022. The check did not arrived to the payee, instead it was intercepted by the hacker and altered the entire content of the check and only left the check number. It was altered to the name of XXXX XXXX at the amount of {$12000.00} the check signature was forged as well. The check was cashed and released by TD Bank without proper verification. 
I made a complaint and TD Bank made the original affidavit of forgery and was filed XX/XX/2022. I continuously followed the status with the bank but bank keep saying it was on process. On XX/XX/XXXX, since I am not getting any updates from the bank, I contacted TD bank investigator in charge of the case. I was told by the investigator that the affidavit was wrongfully done and the TD Bank was notified but nothing was done to correct the affidavit. I was told by the investigator to go back to the TD bank for bank to file the correct affidavit as " altered check ''. After a few weeks I called up the investigator and was told that it was assigned to another investigator. Up to now I made a follow-up on XX/XX/XXXX to a bank officer named XXXX XXXX XXXX XXXX ) and I was told it was being investigated and was being misled. I'm not getting any answer or updates on what is really going on. Its now 106 days since it was filed. I am hoping that you will be able to assist me and resolve this problem. Its a big amount and which causes financial burden to our obligations.
Product: Credit reporting or other personal consumer reports

Unfortunately after reviewing my credit report on Equifax, and XXXX XXXX, I noticed many inaccurate personal account information on my credit report mainly inaccurate addresses and previous inaccurate employment items such as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Previous employment : customer service representative 9XXXX XXXX XXXX XXXX XXXX I have attached a copy of my lease agreement to show my current address as I have been there longer than two years thank you
Product: Credit card or prepaid card

On XX/XX/XXXX my wife, XXXX XXXX, and I, XXXX XXXX, were scammed - and we are devastated. What happened was that I received an email, claiming to be from XXXX ( but it was from the scammer ) and suggesting that I " solve the problem '' ( which was that {$4500.00} had been charged to my XXXX account ) and contact " XXXX '' by calling one of the phone numbers listed. 
I'll attach this scam email. 
The scammer then suggested that we purchase gift cards in the amount that had been charged. And if we passed on the gift card # XXXX and amounts to the " XXXX '' person, our " problems would be solved '' and " no charge to my XXXX account would occur. '' We did all of that - including buying gift cards, using my Bank of America debit card. 
After we discovered that this was a scam we sent a letter to Bank of America, explaining what had happened. 
B of A then issued on XX/XX/XXXX a credit of {$4900.00} ( not sure how we ended up w/that amount ) to my debit car account. We assumed this was a generous B of A decision till we received a letter, also attached, from B of A, stating that this was a temporary credit, and subjetc to B of A doing extensive research.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX  Account Number : XXXX 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 also states a consumer reporting agency can not furnish a account without my written instructions