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

My buyout for my lease is {$48000.00} and Ally bank is charging the dealership {$53000.00} to get out of the lease and into a new vehicle which is more than the balance of my contract. How is this legal?
Product: Credit card

A credit card was closed and we received the final bill in the mail which we paid electronically on XX/XX/XXXX. We paid exactly what was on the bill. Over sixty days later they claimed we owed them XXXX cents and billed us an additional fee 's and interest of a substantial amount. They also closed this card without any written notice either electronic or physical. They claimed they could do this without cause. Previously we never missed a payment.
Product: Mortgage

My escrow payment increased significantly from one month to another without warning. I still do n't understand why this issue could have been avoided. After several calls to my mortgage company Castle & Cooke I remain confused with the lack of customer service provided.
Product: Debt collection

Hello CFPB rep please find below, On or about XX/XX/2020 XXXX CST Portfolio Recovery contacted me about a debt owed previously by another company of XXXX credit card keeping in mind we are under a national emergency and a state emergency across the USA with COVID19 virus trying to collect a now third party debt as Portfolio Recovery address XXXX XXXX XXXX XXXX VA XXXX Are u kidding me this should be a lawsuit against said company in their blatant attempt to collect a  uncollectible debt under the FCRA being sold by original creditor and this has been also reported to the XXXX and MAG Missouri Attorney General for review but CFPB consumer financial protection bureau must also investigate and enter findings under current national status and pandemic protect ur citizens of the USA immediately ty for your attention and understanding in this matter this did occur on the above said date and time while people are unemployed and FEMA SEMA working with citizens to recover
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I formally notified this agency via certified mail of my status as a victim of identity theft. Despite this notification, as of today, XX/XX/year>, the agency persists in reporting information stemming from the identity theft incident. 

As per Section 605B, Block of Information Resulting From Identity Theft, consumer reporting agencies are mandated to inform furnishers of information, including financial institutions, that such information may be linked to identity theft and that an identity theft report has been filed. In compliance with this requirement, I provided FTC report numbers XXXX, along with a requested block. 

Under Section 623 ( a ) ( 6 ), furnishers are obligated to block the reporting of any information in a consumer 's file identified as resulting from identity theft within four business days upon receipt of : appropriate proof of the consumer 's identity ; a copy of an identity theft report ; identification of the disputed information by the consumer ; and a statement from the consumer affirming that the information is unrelated to any transaction they initiated.

All four requisites have been fulfilled by me and will be enclosed with this complaint. However, the agency has failed to comply with the FCRA 15 U.S. Code 1681c2, which mandates the blocking of reported information within the stipulated four business days upon receipt by the agency. This failure constitutes a violation of the law and renders the agency civilly liable for willful noncompliance under 15 U.S. Code 1681n, subject to any actual damages I have sustained as a result of this negligence
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$0.00}.
Product: Debt collection

On XX/XX/2022, someone opened an AFFIRM line of credit ( {$2300.00} ) in my name. I spoke with customer service with AFFIRM on XX/XX/XXXX after making a check of my credit report because I am in the home buying process. I was informed by AFFIRM that this is line of credit was obtained online by using my social security number. I was told that someone had been paying off the line of credit but stopped in XXXX. 

I have no knowledge of what AFFIRM is. 
I have no knowledge of who could have used my social security number. 
I did not personally take out any line of credit with AAFIRM.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding inaccurate information that Equifax has reported on my credit report. This erroneous information has significantly affected my credit score and, consequently, my ability to obtain credit and other financial services. 

Despite my efforts to resolve this issue directly with Equifax, including multiple disputes and requests for correction, the inaccuracies persist. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is accurate and free of errors. Equifaxs continued failure to correct these inaccuracies constitutes a clear violation of my consumer rights under this federal law. Specifically, Equifax is in violation of : Section 611 ( 15 U.S.C. 1681i ) which mandates that credit reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days of a dispute being filed. 
Section 623 ( 15 U.S.C. 1681s-2 ) which requires furnishers of information to provide accurate information to credit reporting agencies and to correct any inaccuracies. 
I request that the Consumer Financial Protection Bureau intervene in this matter to ensure that Equifax complies with its legal obligations. I ask that Equifax be directed to delete the inaccurate accounts and any other erroneous information from my credit report immediately. 

Enclosed with this letter are copies of my correspondence with Equifax, including my dispute letters and their responses, as well as a copy of my credit report highlighting the inaccuracies in question. 

I trust that the CFPB will address this matter with the urgency it demands and take appropriate action against Equifax for their non-compliance. I look forward to your prompt response and resolution of this issue.
Product: Credit card

On XX/XX/year>, I purchased a XXXX XXXX for {$300.00} through XXXX XXXX. According to the tracking information, the package was marked as " delivered, '' but it was sent to a different address and received by someone elsenot me. 

I attempted to resolve the issue with XXXX XXXX, but after several months of being ignored with no response, I decided to contact my bank, Navy Federal Credit Union, on XX/XX/year>, to file a dispute. Despite providing clear evidence, my bank sided with the merchant because the seller submitted " delivery documents. '' However, Navy Federal failed to verify the delivery address, even though they have my correct address on file. 

After receiving this unjust decision, I requested a second review of the dispute on XX/XX/year>. However, Navy Federal responded that they had " exhausted '' all efforts and could no longer pursue the claim, despite the evident delivery error.
Product: Checking or savings account

I will attach screen shots from the Albert company including all paperwork submitted and all contact I have had with the company. Transactions are : Dates will be in attached paperwork that was sent to Albert. 
{$400.00} XXXX XXXX XXXX {$320.00} and {$140.00} XXXX XXXX XXXX XXXX {$400.00} XXXXXXXX XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX  {$210.00} and {$320.00} XXXX XXXX XXXX XXXX  These companys I can not find anything about, the transactions are fraud. I want my money back. ASAP
Product: Payday loan

My coworker received a call from High Point Asset on her personal cell phone. I called the company and spoke with XXXX XXXX and he stated that my loan with the originator was paid off but XXXX people actually lend the funds to me and that i needed to pay the other XXXX loan companies back. I asked him to provide a copy of the contract which states that my loan was with XXXX different companies and to provide me with the original company that I received this payday loan from. The gentleman refused and I instructed him not to contact my employer, coworker, or anyone else looking for me. XXXX then stated that he will continue to call until I pay off the other XXXX companies. He stated that he will not furnish me a copy of my contract. The number they called from is XXXX -- XXXX
Product: Checking or savings account

BBVA should be looked into for the closure of simple and how they migrated accounts. They locked thousands of people out of their accounts. Changed routing and checking numbers and are mismanaged the situation. Hours long hold times. Their IVR hangs up on you because they are to busy??? 

Then to top it off, charging fees to remove money from accounts when people can login. Super shady and XXXX over so many consumers. 

Simple was cool. 

BBVA ruined the experience immediately and dropped the ball hard.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  : Remove wrong the details from my Credit report. 

Please review the attached letter from JPMCB.
Product: Debt collection

I was contacted via phone and lefted voicemails from an in known number stating that I would be served papers to come to court at my current address for a debit from Citibank financial institution on behalf of XXXX XXXXn from phone number XXXX in which I never banked with them or own a Visa card with them. The male representative from XXXX XXXX was very rude and aggressive pertaining to a debt that I never personally acquired nor banked with Citibank to take out a visa with them before.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts XXXX of XXXX closed account ( XXXX ) XXXX XXXX closed account ( XXXX ) XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX- ( XXXX ) XXXX XXXX- 4 inquiries 15 USC 1681 section 602 A , states I have a right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote all  XXXX  credit bureaus notifying them of an error on my credit report that if not removed will cause me to pay a much higher interest rate on a mortgage I am desperately needing.     XXXX   wrote back and said there was an issue with my Identification documents, so I called them and answered their security questions and they said the would investigate and get back to me.   Meanwhile   XXXX   wrote me and   removed the error.   XXXX   and  XXXX  have done nothing, my loan officer said they are still showing on my credit report. It is incorrect and I need it deleted and now I have only a week to get this done!
Please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX  XXXX Balance : {$6000.00} ; XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Vehicle loan or lease

On XXXX a ach payment for XXXX was made from my account from XXXX XXXX XXXX XXXX and payment was sent to Pnc bank.PNC bank states that they don't have payment, however XXXX XXXX XXXX otherwise. I asked Pnc could I submit my bank statements they said no, I contacted XXXX XXXX  and that is what they are stating they would do. This is the XXXX time I've had problems with pnc bank taking money from my account and stating they haven't received it.
Product: Debt collection

I have never heard of this company, nor have I had any communication with this company. Last I heard was, I was up to date with my XXXX account. I havent done business with them in years. And now I have this collection from another company on my credit report. I want this off my credit report. This is ridiculous. I know nothing about this account nor why it is reporting.
Product: Money transfer, virtual currency, or money service

I have been on a waiting list with a dog breeder ( XXXX ) since XX/XX/2023, with a {$500.00} deposit ( confirmed received by the breeder ). I know XXXX, and she is known in the US as she travels to dog shows, posts her dog 's showings, and has been registered as a breeder of merit with the XXXX for a long time. 

Someone gained access to the XXXX 's email, and on XX/XX/XXXX when puppies were available, the intruder continued a conversation I had been having with XXXX, relaying that puppies were available, when I could have them brought to me, and requesting payment. The payment request details were altered to the intruder 's address. Since this was a big purchase ( a total of {$3000.00} ), I phoned up XXXX and confirmed all details about the dog, plans to send the dog to me, and how much she was asking for. Since she confirmed all those details to me, I felt secure in sending, and sent the first third ( {$1000.00} ) via XXXX. USAA states that XXXX is only for sending payments to people you know ( they used a dog walker as an example ), but since I do know XXXX I felt secure in going through. 

Right after that payment, I texted the payment receipt to XXXX, and she immediately told me that the XXXX address was not hers. I immediately called USAA to stop the payment. The USAA representative I spoke to told me that I would be credited the {$1000.00} while an investigation was opened, and if the investigation confirmed the details I had provided then the money would remain with me. 

XXXX and I spent the next few days working together to identify what happened with her email- the end result was her service provider told her she had been hacked and that someone had used it to commit fraud upon several of her customers. 

A few days later ( XX/XX/XXXX ), upon more research of how to handle this issue, I filed a police report of fraud with XXXX XXXX XXXX XXXX Police. They told me that since USAA was investigating the fraud, they would not. 

The following Monday, I called USAA to see the status of the investigation, since I had not been credited the $ XXXX as I had been told to expect. They told me that the investigation was still ongoing. I have not received any requests for information from USAA since my initial call immediately after the payment. 

Today, XX/XX/XXXX, I received notification from USAA that they closed the investigation and would not be helping me to recover the money. They found that the money had been sent to the intended recipient. They will not help me to recover the money I lost to the fraud.
Product: Checking or savings account

I wrote a check for {$11000.00} payable to an insurance company and sent it by certified mail. The mail never got to the sender and the check was intercepted and rewritten leaving my signature. I filed a report with the police department, post office and the fraud department at Bank of America. After months of numerous attempts to get information with no success they finally sent me a form letter saying there was no fraud. Clearly if they really investigated they would know that this is fraud. I have documentation from the police, post office and bank for everything.
Product: Mortgage

We are closing with bank of America. The loan officer is incompetent and went on vacation without notice. We touched base with the supervisor, who is out of the office. The underwriter suffers from memory skills ( we went over the same documents over and over again. ) We already experience one week in delay. Bank of America is not considering our issues and does not respond thoroughly. 
Everyday is a new problem. We are first time home buyers, college educated people, who refused to be a part of corporate failure. 
Please assist.
Product: Debt collection

Complete scam robo calls never stop from all over the US. Never did business with these scam people.
Product: Debt collection

On Wednesday XXXX XXXX I recieved a phone call from a supposed process server that works for empire mediation services. He told me papers were going to be delivered the next day that I needed to sign. That a summons was being delivered. He left a phone number for me to call to resolve the situation BEFORE the papers were delivered. The number was XXXX. I called the number and they were trying to collect for something that was paid. The company goes under a few different names so I emailed them what I had. They emailed me Nd told me I was scamming them and it was not pAid. The man called me a liar. I told him my attorney would be in touch. I asked him for his address and he would not give it to me. Then he tells me he is n't speaking to me any more because I said I had an attorney. But then the next day he emails me again!!
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 Acct # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

This is my XXXX attempt to notify you that I was harmed by incorrect credit report details and I write to dispute these items in my file resulting from this matter. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from the inaccuracies in my credit profile : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXXXXXX Balance : {$35000.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX {$4000.00} ================ XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$1100.00} XXXX XXXX XXXXXXXX Balance : {$35000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX Balance Owed : {$4000.00} ================ XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$680.00} XXXX XXXX XXXXXXXX Balance : {$35000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1900.00}. These items are unknown to me. Also, the information you provided on these items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on these items are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.