23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After speaking with multiple people, through multiple phone calls ( at least 12 with several calls lasting an hour ), and given multiple stories/excuses this issue has not been resolved and is preventing us from selling our house in XXXX, NY. The address given above for Key Bank is based on a letter sent to us stating the loan was paid in full on XXXX/XXXX/XXXX which is inaccurate and the letter was signed by no one, simply ending with " Sincerely '' - no signature. At one point we were told the issue would take 5 days and would be resolved on Monday, XXXX XXXX. When that did not happen, we were then told to fax a signature allowing them to release the information. Our lawyer drafted a letter requesting the Satisfaction of Mortgage be filed and I ( XXXX XXXX ) signed it and it was faxed to the fax number ( XXXX XXXX ) given to us. In calling to confirm the fax was received and this issue could now be resolved could talk to no one who knew anything about the fax but was told the matter would be resolved in 15 days from XXXX XXXX making it now XXXX XXXX to close this matter. On our lawyers advise, we requested a letter stating that fact and also a copy of the Satisfaction of Mortgage. After two, hour long calls on Friday, XXXX XXXX, we are now told by a person named XXXX that he is entitled to 48 - 72 hours to research this matter. NONE OF THE OPTIONS BELOW APPLY. OUR LOAN TAKEN OUT IN XXXX WAS PAID IN FULL BY XXXX BUT BANK DID NOT FILE SATISFACTION OF MORTGAGE RESULTING IN OUR INABILITY TO SELL THAT HOME.
Product: Credit reporting or other personal consumer reports

Despite our previous attempts, I regret to inform you that this issue still persists. As we enter the multiple attempt to address this matter, I want to emphasize the urgency and importance of rectifying this discrepancy promptly. The presence of a late open accounts affects my credit score and raises concerns about the accuracy and integrity of my credit information. I kindly request that you prioritize the investigation and resolution of this discrepancy, ensuring that all necessary steps are taken to correct it in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. 

Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving this matter and a clear timeline for when I can expect to see this discrepancy corrected on my credit report. I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. Your assistance in rectifying this discrepancy is crucial to ensuring the accuracy and integrity of my credit information. With this, I am asking for your assistance to correct othe accounts : XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXXXXXX Balance Owed : {$6100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an opt-out letter to Chex Systems on XXXX. XXXX XXXX made an adverse decision based off Chex Systems advice, thus denying me my equal opportunity to open a general savings account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the immediate removal of unauthorized hard inquiries appearing on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and other applicable laws. These inquiries were made without my explicit consent and are not related to any of my active accounts. 
The specific hard inquiries in question are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX
Product: Debt collection

I have never worked with Jefferson Capital System LLC before, and the have never been in contact with me and they continue to place false collections on my credit report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times & reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and d that tracking these transactions was unfeasible. the CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled up my credit report in XXXX using the XXXX XXXX XXXX XXXX website and saw this debt collection from XX/XX/XXXX from XXXX XXXX XXXX being reported on TransUnion and XXXX. I reached out with a XXXX letter and asked them to validate it on XX/XX/XXXX. It has been over 30 days and i have been completely ignored. They have sent me any information whatsoever and this stuff is still on my credit report. I called the collection company and they couldn't validate anything for me either. How is it still on my report if nobody can verify it as mine .... The only way i can get help is to have you force them to tell me something. ITs been over 30 days and everyone is ignoring me and stressing me out. This has to be a Fair Credit Reporting Act violation right? Nobody seems to care that this is hurting my credit report. Validate it or remove it, and they can't validate it bc it is not mine!
Product: Credit card

I purchased appliances with my Home Depot credit card. The purchase was automatically placed on a 0 % interest promotion for 24 months. During that time, I made payments in excess of the minimum payment due. According to the Credit Card Act of 2009, section 104 subsection 164, " Upon receipt of a payment from a cardholder, the card issuer shall apply amounts in excess of the minimum payment amount first to the card balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is exhausted. '' I believed that the amount over the minimum due would be applied to the promotional balance. Since it had not been applied. I was charged {$1500.00} interest fees on a purchase of {$2200.00}. The interest charged is approximately XXXX % of the purchase amount. According to Home Depot, there is no way to opt-out of a 0 % interest promotion when you are making a purchase over {$290.00} during the promotional period.
Product: Credit card

Dear CFPB, I am writing to file a complaint against Chase Bank for their mishandling of my dispute using various tactics. 

After receiving the item, I believe it does not justify its price. Consequently, I requested the seller to provide a free return label for a refund. However, neither the seller nor XXXX adhered to their promised " Free Return '' policy for after-sales service. Instead, they only provided an address for me to cover the return shipping cost. As a result, I initiated a dispute, seeking my bank 's assistance to take action against this unscrupulous seller and XXXX. 

I applied for the dispute over a month ago, and it was approved. Three weeks ago, I confirmed that it was still pending. However, today, one month later, when I contacted the bank again, they informed me that I need to provide more information. They insisted that I contact the seller to confirm whether the refund was part of the transaction. This is an absurd request, as the bank should know whether a refund is related to the transaction or not, and it should not require me to contact the seller for confirmation. Due to this unacceptable behavior, I have lost trust in Chase Bank, and as a protest, I have deactivated all my Chase bank cards. 

I request the relevant authorities to intervene and supervise this matter. 

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

This situation involves a violation of 15 US Code 1681s-2, which outlines the responsibilities of entities providing information to consumer reporting agencies. They failed to furnish me with a written notice about the account before it was reported. Consequently, I am requesting the removal of this account from my credit report due to my disagreement with the asserted debt.

Furthermore, their actions infringe upon my rights as stated in 15 U.S. Code 1681b ( 2 ), which delineates permissible purposes of consumer reports. They reported the account without obtaining my consent and improperly utilized my social security information. In light of these circumstances, as a victim of identity theft, I am invoking 15 US Code 1681c-2, which mandates the blocking of such data without my explicit written permission.

According to 15 US Code 1681a ( 4 ), consumer reporting agencies are obligated to uphold my right to privacy. Unfortunately, this right has been violated, as the public reporting of this information by your organization occurred without my authorization.

I insist on the immediate removal of this account from my credit report.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries and strongly suspect they are fraudulent. I request a comprehensive investigation and immediate removal from my credit report. Enclosed are supporting documents for your examination.
Product: Vehicle loan or lease

We bought our used XXXX XXXX in XX/XX/XXXX. The car price was {$17000.00} with an interest rate of 26.29 % making our full loan amount {$34000.00}. Weve been paying on the car since XXXX and have paid in car payments a total of {$31000.00} since XXXX. Thats not even counting the {$10.00} fees and other fees they tacked on. We recently went to trade the XXXX in thinking since our payoff date is XX/XX/XXXX that there only being 11months left on the loan that we only owed a little over {$5000.00}. When they pulled our credit Santander Consumer has only reported the car amount of {$17000.00} and that the balance was down to {$14000.00} something making it look like over 6 years me and my husband have only made little over {$2000.00} worth of payments. They are telling us the payoff for the car is almost {$15000.00} even though weve been paying for 6years and have already paid {$31000.00} of the loan. The dealership manager told us they were in violation and for us not to put anymore $ towards the car so we opted to have them come and get the vehicle And then pursue what we needed to get this fixed. But were not going to put anymore money into a loan where we were being scammed. Heres a link to some of the complaints concerning the same things that theyve done to other customers. https : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account/Reference # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts below are listed as a Charge Off on credit reports. XXXX - closed XX/XX/XXXX - {$2700.00} XXXX - closed XX/XX/XXXX - {$1000.00} XXXX XXXX - closed XX/XX/XXXX - {$530.00} XXXX  XXXX - closed XX/XX/XXXX - {$1700.00} XXXX XXXX - closed XX/XX/XXXX - {$460.00} XXXX  XXXX - closed XX/XX/XXXX - {$1700.00} XXXXXXXX XXXX - closed XX/XX/XXXX - {$3300.00} XXXX XXXX - closed XX/XX/XXXX - {$690.00} XXXX XXXX - closed XX/XX/XXXX - {$230.00} **Above accounts show as Write Offs **
Product: Checking or savings account

XX/XX/2020 TRIED LOGGING INTO ONLINE BANKING AT PNC COULD NOT GET ON. TRIED CALLING PNC BANK CUSTOMER SERVICE WAS ON HOLD THEN KEPT CUT OFF .CALLED BACK CAUSE DISCONNECTED 5X. FINALLY CALLED A BRANCH WAS TOLD THAT SINCE WE WERE OVERDRAWN FOR {$.00} FOR A PERIOD OF TIME THEY CLOSED OUR ACCOUNT WITHOUT GIVING US ANY NOTICE. ASKED FOR CORPORATE PHONE NUMBER WAS TOLD NOT AVAILABLE. GOOGLED FOR CORP NUMBER AND IT WAS DISCONNECTED. SINCE IT WAS CLOSED AND PURGED THEY SAID THEY CAN NOT REOPEN ACCOUNT, SO I CAN NOT GET IN TO DOWNLOAD FILES FOR TAXES AND ALL SAVED INFORMATION. I ALREADY HAVE THIS IN ESCALLATION WITH THEM WAITING FOR A CALL BACK.
Product: Vehicle loan or lease

I HAD A LOAN THROUGH US BANK IN 2014, THE CAR TOTALED AND THE INSURANCE COMPANY PAID OFF THE LOAN. US BANK EVEN GAVE THE INSURANCE COMPANY THE TITLE OF THE CAR. I WAS TOLD THAT I HAD TO MAKE ANOTHER PAYMENT AFTER THE TITLE COMPANY PAID OFF THE LOAN-SO I DID FOR XXXX. I THOUGHT THIS WAS VERY WEIRD, BUT I HAD MISSED ANY PAYMENTS AND DID N'T WANT TO DAMAGE MY CREDIT. EVEN THOUGH THE INSURANCE COMPANY STATED THAT THEY GOT A PAID IN FULL LETTER FROM US BANK. NOW I SEE A CHARGE OFF ACCOUNT FOR XXXX ON MY CREDIT REPORT FROM US BANK, THEY ARE STATING THAT I SHOULD HAVE WRITTEN A CHECK FOR XXXX, AFTER THE INSURANCE COMPANY PAID OFF THE LOAN. BUT I CA N'T GET ANY DOCUMENTATION FROM US BANK AND THE CHARGE OFF DEPARTMENT IS STATING THAT I OWE IT " PLAIN AND SIMPLE ''. SOMETHING IS NOT RIGHT HERE.
Product: Credit reporting or other personal consumer reports

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under XXXX U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXXXXXX XXXX XXXXXXXX - Account XXXX XXXX XXXX XXXX XXXX  - Account XXXX XXXX  - Account XXXX XXXX XXXXXXXXXXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXXXXXX - Account XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX - Account XXXX XXXX XXXX  - Account XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXXI - Account XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : EQUIFAX MORTGAGE SER Inquiry Date XX/XX/2021 ; XXXX XXXX Inquiry Date XX/XX/2021 ;
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. 

- XXXXXXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXXXXXX XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX Here is a list of all my hard inquiries above that has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

Under the doctrine of estoppel by silence, as referenced in XXXX XXXX XXXXXXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items due to the ongoing litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I wrote XXXX that XXXX XXXX XXXX was charging me for fraudulent charges on my card # XXXX and that I refuse to pay them. I also sent XXXX 60 pages of evidence to support my claim. XXXX has, nevertheless, damaged by credit rating because I refuse to pay fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX XXXX last 4digits of my social XXXX, reviewed my Consumer Reports and noticed that I had three late payments on my Penny Mac account # XXXX, in XX/XX/2022, XX/XX/2022 and XX/XX/2022, that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as should be as I was Never Late. Thanks, XXXX XXXX XXXX
Product: Student loan

Ascendium, the loan guarantor ( and XXXX, the loan servicer ) are both threatening collection action, call the loan and damage my credit history for an amount they claim is overdue, but I am actually paid ahead. 

Briefly, I am paid ahead to approximately XX/XX/XXXX. XXXX claims that I am behind {$2400.00}, or that I started falling behind since XX/XX/XXXX. Ascendium sends letters and calls, but I offered to sit down with someone to go over my payment history evidence, Ascendium tells me I have to talk to XXXX. 

On XXXX, I received a call from XXXX that I was behind over {$2500.00}. Since then, I have made XXXX calls to XXXX and XXXX  calls to Ascendium to get clarification and resolve this issue since ( i ) not once in my online account 's dashboard did it ever say I was behind anytime in XXXX ; ( ii ) not a single monthly statement in XXXX showed I had a past amount due ; ( iii ) an account truly behind 9 months would have been reported already to a credit reporting agency and would have been transferred over to the guarantor ; ( iv ) and adding all of my payments in XXXX actually showed I was overpaid ( and still am ) since all of XXXX ; ( v ) no late fees have ever been assessed. 

I have offered to share my evidence of payments, but no one has been willing to sit down with me ( in person or virtually ) or receive the evidence via email, mail, etc. On XXXX, I spoke to XXXX, Account Manager ( payroll / # XXXX ), XXXX, who discovered that someone, instead of updating my account to paid ahead to XXXX, actually typed XXXX. Everything unraveled from that point. However, she said it would be corrected within 24 hours by the accounting department ( or 48 if she had to take it to another department ). 

On XXXX, when I called XXXX, I received contradictory information in that the matter would take 8 business days to get a response. On XXXX, I received a letter dated XXXX that XXXX was calling the loan and threatening credit harm if the " overdue '' amount is not paid by XX/XX/XXXX.
Product: Mortgage

The homeowner submitted a loss mitigation package to Bank of America, N.A. on XX/XX/XXXX, 2017. Bank of America, N.A. immediately denied the homeowner for loss mitigation stating that there was an issue with the loan that prevented a complete loss mitigation review. Bank of America, N.A. stated the client had to fax a letter to them requesting information on the issue and how to resolve it. The homeowner did that, and Bank of America, N.A. has still refused to provide any information to the homeowner to resolve the issue and to allow the loss mitigation review to move forward.
Product: Money transfer, virtual currency, or money service

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

Santander Consumer USA / join in on the class action lawsuit. 

In 2013 i purchased a car through XXXX and they provided me with santander consumer, i knew nothing to be wrong with this bank besides the facts that my car loan came up to be {$20000.00} and in 2 years i paid off {$7000.00}, but within my 3rd year its like i could never get under that {$13000.00} mark and i was trying to figure out why, just couldn't figure it out, until now recently i just found out that they just had a loan suit against them about the same thing i went through, they also repoe 'd my car and left me stranded at the movie theater and if this was unlawful i would love to atleast get my credit back to a good standing so i can get another car cause now that is all they see is a repo. i was just curious about what i need to go through to join this action? 

XXXX XXXX XXXX ( XXXX ) XXXX XXXX , NC
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$530.00} ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.