23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/22, I received an identity verification transaction alert from my XXXX monitoring service. I called XXXX who then told me that fraudulent bank accounts were opened in my name with TD bank. I called the TD Bank Fraud line to alert them of the fraud. They told me they closed the accounts. I contacted the FTC to file an identity theft report. As a part of the identity theft recovery process, I requested a letter from TD Bank to state the following : the fraudulent account was not mine, I am not liable for the account, and it was removed from my credit report. They denied my request for this letter even though I went in person with all my identifiable information and IDs.

In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that they provide me with copies of business records relating to the fraudulent account identified above. The law directs that they provide these documents at no charge and without requiring a subpoena, within 30 days of receipt of my request. 

Without the above mentioned information, I am unable to file a police report without the evidence of fraud that they have in TD Bank system due to TD " bank policy ''. They are actually breaking the law by not giving me this information. I need the police report to report this to SSA and the FTC.
Product: Student loan

I turned in ( 3 ) employers for the Feb Loan Forgiveness Program. One of the employers will not fill out the information needed, which was checked on the form. After speaking with at least five customer service representatives, with different stories, I am super frustrated that there is a disconnect with active listening, comprehension, and reading. I've had to explain to them where to look, on their form, for the spot checked where the employer will not fill out the form. A rep told me to send in pay stubs showing I worked there. I faxed in over 30 pages and now a Supervisor # XXXX is saying that I meed W2s. The rep # XXXX prior to the supervisor said that the employer did not sign the form, which is correct, because the box was checked where they did not respond. Each employee from the date I faxed my application ( XX/XX/2019 ) needs to be terminated and suspended and retrained.
Product: Mortgage

Almost two years after being the servicer, SLS changed a historical document. SLS has refused to explain ( except to state it is based on previous unnamed documents ). This is FACTUALLY FALSE, as SLS 's previous documents before this confirmed an UNFIXED ( to-date ) SERVICING ERROR. An internal report ( attached ) with their parent company, states I requested this change ( WHEN I DID NOT ). And so, I would like a copy of SLS 's servicing file notes from XX/XX/2018, to the present.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX, XXXX & XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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: Checking or savings account

XX/XX/XXXX I transferred XXXX from Fidelity 401 K. Fidelity showed the funds cleared XX/XX/XXXX. After many phone calls to Fidelity and Capital One 360 Banking. It was determined that the last two ( 2 ) of my account was transposed. The last four digits being XXXX as opposed to XXXX which is the last of my Capital One checking account. Fidelity has placed a trace on these funds, so Capital One can simply reject the deposit. This would have changed the EFT, to a hard check being issued. As of today XX/XX/XXXX, Capital One has not traced this deposit. Fidelity will not issue a check because the owner of the account ending in XXXX has apparently accepted the funds, has not contacted Capital One to return the funds. I have provided Capital One with a print out from Fidelity showing the transfer. Not only did I pay a fee for Direct Deposit, associated taxes and penalties for XXXX. These institutions are both Federally insured and a month seems a long time to not have any information or resolution. Fidelity appears to be the only team trying to rectify this situation. I have recorded calls to both institutions after many attempts to get a resolution. This is my money, not a loan and I have shown where things went wrong. The Third Party Customer team for Capital One are simply not helpful. They have lost a customer and I will put all information on Social Media and that includes the Account information of the account holder, who has appeared to stolen my funds. I will wait a bit longer but I have been greatly impacted by this situation
Product: Mortgage

I called CMC funding and spoke to XXXX. I told him I want to pay XXXX bi weekly starting XX/XX/XXXX. He said he got it all set up and informed me some months will be 3 payments such as that month due to being bi-weekly. Firstly he messed up the amount XXXX. I went to get tax information XX/XX/XXXX and noticed it gave me a notice of possible late payment. I looked at my last months statement and it had a late fee of XXXX for XX/XX/XXXX even though I paidXXXX on a XXXX mortgage. I called and spoke to XXXX on XX/XX/XXXX. I expressed that this was not ok to charge me late fees due to their structure and option of paying every 2 weeks. I also told her that they need to waive the XXXX and since my payment payed the late fee instead of principal, they need to reinstate that amount back to when it was charged and recalculate the amount owed and interest charged to me due to the XXXX not being applied. She refused. She also said to change the payment amount she would not need to charge me all of XX/XX/XXXX AND XX/XX/XXXX to " pay ahead ''. I should not have to " pay ahead '' if the point of paying more now is to not pay on that interest over the months. Paying Bi-Weekly should also have the same affect. They have predatory lending practices by offering a biweekly payment option but if you take it you have to pay months ahead and if you don't you are charged late fees which only furthers THEIR BENEFIT of charging me interest on all those amounts. Interest on the money not paid due to it going to their late fees and also interest I pay because I'm paying " ahead '' but it counting toward the months in the future and not principal now. 

They are saying I have to pay XXXX today XX/XX/XXXX so that I can be far enough ahead to pay XXXX starting XX/XX/XXXX and biweekly there after. She said that the XXXX is the BASE amount but then I am paying more base amount in each biweekly payment thereafter. They gave me no other options, take it or leave it. 

you can get a copy of both the calls and my statements to prove out what I am saying
Product: Money transfer, virtual currency, or money service

Albert financial services is an app that gives mobile cash advances. Been with them for a year no problems. What happened was on XX/XX/2022 I was eligible for a cash advance of {$200.00} was the advance cleared they took out {$210.00} from account on XX/XX/2022. I contacted them and they claimed that I owed money for XX/XX/XXXX and XX/XX/XXXX. Surprised to hear that because I assumed that this was already paid off and if it was not I should not be eligible for any cash advance. I mentioned this to them so they took out {$210.00} on XX/XX/XXXX and will take out {$200.00} on XX/XX/2022. My issue is I should have not be eligible for any advance until the past bill paid off period. I have never had a problem with and I feel they should refund me the {$210.00} because I should have been offered another advance if I had one already outstanding.
Product: Vehicle loan or lease

I have a situation that has been a very long process as a customer with XXXX XXXX XXXX XXXX. They are fraudulently over charging me after paying the full complete amount after taxes that the cars cost. Repossession has happened over the amount times possible. They have been very apologetic and they havent won XXXX hearing regarding this investigation regarding my properties. Some how they have been using co- signers to accomplish criminal activities through their dealership. I was A former employee. Before these events occurred. They have been trading in their Personal own vehicles making contracts. 
Destroying the evidence for their to use to approach them. Repossessing and refinancing. Creating loss of property and Money for long that people who have experienced this situation need help with this problem I saw it I experienced it and I to confront them as soon as a date court becomes available. Or what I can do from this point is possible were ever I can address it. I had to investigate this situation for years since I identified with what was going on. It cost so much money that I have bring it to an authority. 
That can resolve these matters. 

So please be aware not to ignore your approach regarding this information. 

Please contact me regarding my report # XXXX XXXX P.S, Thank you for your time. 
XXXX  XXXX XXXX XXXX XXXX 2022 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX
Product: Consumer Loan

Did you know that Uber offers the option to lease cars to its drivers? Drivers who are often financially desperate and fiscally uninformed individuals and who are often new to this country. And the fees that Uber and its affiliate are charging to lease these vehicles are predatory. I mean the monthly equivalent of {$610.00} to lease a Toyota Corolla ( 156 payments at {$140.00} per week )? Seriously? This is absolutely predatory! And I 'm afraid that people are doing it because they fail to realize that they may qualify for much cheaper leasing options elsewhere and they do n't realize how much they are actually paying.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting past due on the XXXX account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. I have disputed this directly with the two bureaus and still this has not been corrected. It is impossible to be late on payments that have a {$0.00} balance and {$0.00} past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally request the removal of a debt from my credit report due to the failure of XXXX XXXX XXXXXXXX XXXX XXXX to comply with the provisions of Law 1006.34. This law protects consumers by establishing specific guidelines for debt collection practices and granting consumers certain rights and remedies. After thorough review of my credit report, I have discovered that an invalid debt is listed on my account. The debt in question is associated with XXXX XXXX  XXXX XXXX. Pursuant to Law 1006.34, debt collectors are required to validate a debt upon request within a specified timeframe. Failure to provide proper validation or demonstrate that the debt is valid and enforceable renders the debt invalid and unenforceable, as well as necessitates its removal from the consumer 's credit report. This company has failed to respond within the specified timeframe or provide any evidence validating the debt. I kindly request that you remove the invalid debt from my credit report immediately. It is important to note that any negative reporting or reference to this invalid debt on my credit history is inaccurate and unjustifiable. I trust that you will handle this matter with utmost diligence and in accordance with the laws governing credit reporting. Thank you for your attention to this matter and for upholding the consumer rights. I look forward to a swift resolution. Sincerely, XXXX XXXX
Product: Consumer Loan

I had a customer trade in a vehicle at my dealership XXXX/XXXX/XXXX and I sent a payoff check of which RBS Citizens cashed. The title to vehicle is an electronic title and since my initial contact with Citizens bank they have given me the run around. Up until XXXX/XXXX/XXXX when XXXX XXXX was able to provide a lien release letter, there has been no help or resolution. I have left two messages with no call back XXXX. As it stands the lien release letter does not work for electronic titles. It is now XXXX/XXXX/XXXX and Citizens has had my money since XXXX/XXXX/XXXX. RBS Citizens has been unwilling to take the proper steps to release the electronic title and I am asking assistance from your organization in hopes that you can get the desired results. Below is all the information of accounts and contacts all of which other than XXXX XXXX have accomplished nothing after hours of phone calls and multiple messages : Customer who traded car in : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX RBS CITIZENS BANK XXXX CITIZENS BANK XXXX ACCT NUMBER XXXX Over night payoff check to them on XXXX XXXX XXXX Signed for by XXXX XXXX RBS CITIZENS Contacts with whom I spoke with over last four months : Last spoke with XXXX XXXX XXXX Office of Chairman XXXX Results- she was able to get a Paper lien Release Paper Lien release is no good for Electronic title XXXX Direct line Electronic Title Division : Main Number XXXX XXXX XXXX XXXX XXXX Multiple conversations and messages left with no results XXXX XXXX ext XXXX Two Conversations and no results *****As of todays date I contacted the State of Georgia and they indicated that RBS Citizens nor their title servicing company has not made any request or action on the title involved. No activity on the title has taken place since XXXX of XXXX when the owner first purchased the vehicle. This indicates that after multiple calls and representatives that no one single action has taken place. The results of this failure to process title in timely manner has cost my company several XXXX dollars in lost revenue due to the fact I could n't register the title in the new owners name. I am requesting you assistance and appreciate any direction on this matter. Kind Regards XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX Original Creditor : XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXXXXXX XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXXn XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX XXXX XXXX Theft ) XXXX. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXXBANK on XX/XX/XXXX XXXX Reported Identity Theft ) XXXXXXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXXn XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXXXXXX XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXXBANK on XX/XX/XXXX XXXX Reported Identity Theft ) XXXXXXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Vehicle loan or lease

During XX/XX/XXXX I requested Upstart to come get the vehicle I had on a loan through them because my financial situation change, and I wanted to voluntary release the vehicle to them to be auctioned off. Then I will pay the balance in payments. They never responded back after promising to look into my request. I submitted a CFPB and in the responds they promise attend to the issue. I receive no letters of debt statement and no correspondence from the company on the issue. They never tried to fix the issue. I even reported them to XXXX and still no action was done. The debt became a charge off on credit report in XX/XX/XXXX. Now as of XX/XX/XXXX Upstart is now trying to report the car as being pay as XXXX XXXX lates. after they charge the debt off XXXX XXXX ago. So now they are intentionally trying to damage my credit. This should not be reporting XXXX XXXX late it should be a charge off. I have sent legal action and my said to reach out using the CFPB request first before a lawsuit is file on my behalf for damages and interest rates.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed hard inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

i ordered something from XXXX  and arrived defective i tried to contact them nobody helped me i opened dispute with bank and didnt help me either and im stuck with item doesnt work and nobody helping me they kept saying we will help you from XXXX  but never did i do have all the messages on the email charge was for {$330.00}
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against JPMCB CARD ( Account Number : XXXX ), JPMCB CARD ( Account Number : XXXX ) and JPMCB AUTO ( Account Number : XXXX ) for multiple violations of federal credit reporting and consumer protection laws. My complaint is as follows : 1. Violation of the Fair Credit Reporting Act ( FCRA ) : JPMCB has failed to adhere to the FCRA 's requirement for accuracy and privacy of consumer information as outlined in 15 U.S.C. 1681, particularly section 604, which mandates that a consumer reporting agency may not furnish personal information without my explicit written consent. 

2. Violation of the Truth in Lending Act ( TILA ) : Under 15 U.S.C. 1666b, a creditor is prohibited from treating a payment as late unless it has reasonable procedures to ensure statements are delivered at least 21 days before the due date. I have not received adequate or timely billing statements to fulfill my payment obligations. 

3. Business Account Misclassification : One of the accounts in question is a business account and should not be reported as an individual account. This misclassification has led to incorrect reporting and potential damage to my personal credit report. 

4. Lack of Communication : I have not received periodic statements, invoices, or any communication that would allow me to manage and verify the debts reported by JPMCB, which is a fundamental consumer right. 

5. COVID-19 Pandemic Protections : During the COVID-19 pandemic, I was entitled to certain protections and accommodations under federal guidelines, which JPMCB failed to provide or communicate. 

The aforementioned issues have caused significant harm to my credit standing and have impeded my ability to access financial products. I request that the CFPB investigate these matters promptly and take appropriate action to rectify the violations and provide relief as warranted. 

Enclosed are all relevant documents and correspondence related to this matter. I trust that the CFPB will address this complaint with the urgency it requires. 

Thank you for your attention to this serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

To Delete any and all accounts that do not have Verifiable physical proof including the ones below : XXXX XXXX XXXX Account Number - XXXX Amount - {$2100.00} XXXX XXXX XXXX Account Number - # # # # # # # XXXX Amount - {$920.00} XXXX XXXX XXXX Account Number - # # # # # # # XXXX Amount - {$1000.00} PARAGON REVENUE GROUP Account Number - # # # # # # XXXX Amount - {$180.00}
Product: Checking or savings account

Being charged overdraft fees or extra fees using other atm fees