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

I financed a XXXX XXXX XXXX on XX/XX/XXXX. I was told that they needed a part for a repair on the XXXX before they gave me the vehicle, but it would be ready by the XXXX. I was ok with that. By the XXXX, I got a call that the XXXX is not ready as they have not gotten the part in. I told them I needed the vehicle as the insurance for my trade in was ending that day. They ended up giving me a service loaner for the weekend as the part would be in on Monday the XXXX. The part still hadnt arrived that Monday. At this point I told them I felt I was being scammed and was gon na seek legal action. The next morning, they got the part in and delivered the vehicle I was at work. The detail of the vehicle was disgusting, seats stained, crumbs in the lower pockets on the doors, a window tint scratched with a defect on it. XXXX told me she was going to see about that getting it fixed. XXXX the XXXX while driving to work, the check engine light came on. Went to see XXXX XXXX, service advisor on the XXXX and was informed it was the O2 sensor and got it replaced XX/XX/XXXX. As I was driving home that day, the check engine light came back on again and it was tested on XX/XX/XXXX, and came back as the turbo charger. Even though the repairs should be covered under the dealerships warranty, I am still waiting to have this part replaced, with the excuse from XXXX, XXXX has to check with management if the cost of the repairs will be covered under the warranty. ' It has been over 2 weeks since I have gotten the check engine light tested and no returned phone calls.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my wife and I sent a letter to the credit bureaus ; asking them to investigate errors on our credit report. I am attaching a copy of the letter we sent them. THey have not yet responded.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information that appears on my credit report maintained by Experian. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ), Promissory Note and Securities Compliance, Securitization Laws, and the Racketeer Influenced and Corrupt Organizations Act ( RICO ), I am requesting the immediate investigation and removal of the following erroneous items : Incorrect Alias : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Each of these disputed items contains errors and potential violations under federal laws governing credit reporting and consumer protection. I demand that Experian provide evidence of compliance with legal requirements, including proof of legally binding obligations, securitization details, and validation of any outstanding debt obligations. 
Additionally, as you are aware, the Consumer Financial Protection Bureau ( CFPB ) has recently initiated a lawsuit concerning violations of consumer credit laws, which further underscores the importance of Experian ensuring its compliance with the law in handling disputes. Given the CFPBs legal actions, I urge Experian to take immediate corrective measures to avoid further regulatory scrutiny. 
As required by law, Experian must conduct a proper reinvestigation of these accounts within 30 days. Please provide a written response confirming the deletion or correction of the disputed items. Failure to comply will result in further action, including formal complaints with the CFPB and legal escalation. 
Please send all correspondence to my mailing address as listed above. I appreciate your prompt attention to this matter.
Product: Credit card or prepaid card

My daughter is studying abroad in XXXX so we opened a student credit card for her with Chase with a {$500.00} credit limit. This has been her main source of funds for her daily living expenses since she arrived in XXXX 2022. On XX/XX/2022 she made a {$500.00} payment to the card because she was close to the credit limit. Chase credited the account for this amount but did not make the funds available to her. We called multiple times and Chase said the {$500.00} we sent in would not be available until XXXX XXXX, 2022. This is leaving my daughter without the use of this credit card - one that she is heavily relying on for food, travel and other daily expenses- for an entire week! Chase would not tell us why they are holding the {$500.00}. This looks and feels like theft of funds to us. This is my daughter 's money and they are holding it so she can not use it.
Product: Credit card

It appears Citibank is still up to it 's old dirty collection tricks. I used my Best buy credit card used issued by Citibank to make a purchase on XX/XX/XXXX the same day I was supposed to go on an XXXX trip. I discovered the same day that my SIM card would not fit the phone so I went to the trip without the phone. I came back to the US on XX/XX/XXXX and immediately returned the phone and placed an online order for the phone I truly wanted. The phone was shipped out on XX/XX/XXXX and I received on XX/XX/XXXX. In the meantime, Citibank had sent me a billing statement on XX/XX/XXXX for a bill due on XX/XX/XXXX. Since the phone was returned on XX/XX/XXXX, I did not owe them anything for XX/XX/XXXX. The next bill was generated on XX/XX/XXXX with a due date of XX/XX/XXXX. I have been getting phone calls morning, afternoon claiming my account was past due. I was told by the agent that the late fee they so loved to charge would be removed and he apologized the first time I spoke with someone but i keep getting calls as early XXXX and as late as XXXX. This company is terrible. You need to do something about them. While I do realize you have no real power I am lodging my formal compliant once again.
Product: Checking or savings account

I HAVE BEEN SUBJECTED TO APPROXIMATELY XXXX XXXX CHECK FEES BY PNC BANK IN CONNECTION WITH THE STANDARD OVERDRAFT SOLUTIONS. PNC IS DECEITFUL. I CAN NOT SURVIVE AND PUT FOOD ON MY TABLES BEING SUBJECTED TO PNC OUTRAGEOUS FEES AND I WILL RESEARCH OTHER BANKS TO TAKE MY {$2000.00} DOLLARS A MONTH TO. THE PROBLEM I AM GOING THROUGH IS THAT PNC WRONGLY HAS A DATE OF XX/XX/2022 MARKED ON MY CHECK & OVERDRAFT FEE ; BUT IN TRUE REALITY PNC DID NOT NOTIFY ME NOR PRESENT ANY PENDING TRANSACTIONS BETWEEN XXXXXXXX XXXX XX/XX/2022 - XXXX XXXX XX/XX/2022. ADDITIONALLY THE PROBLEM IS I WAS PAID VIA DIRECT DEPOSIT AT XXXXXXXX XXXX XX/XX/2022 WHICH MEANS MY PENDING CHECK WAS MEANT TO BE SATISFIED. ADDITIONALLY THE PROBLEM IS THAT PNC IS IN VIOLATION OF THEIR OWN POSTED POLICY WHILE DECEIVING ME THE CUSTOMER. THE POLICY STATES THAT ONCE A CHARGE IS PRESENTED AND SHOULD BE PENDING FOR THE CUSTOMER TO SEE IT FOR STANDARD OVERDRAFT SOLUTIONS, SHALL HAVE UNTIL THE END OF THIS SAME DAY TO DEPOSIT FUNDS TO ZERO IN ORDER FOR THE CUSTOMER TO AVOID AN OVERDRAFT FEE ; THE TRUE REALITY IS THAT THEY ARE DECEIVING XXXX XXXX XXXX XXXX ME, NOT HAVING PRESENTED ANY CHECK TO MY ACCOUNT ON XX/XX/2022, NOT HAVING BEEN ANY PENDING TRANSACTIONS ON MY ACCOUNT BETWEEN XXXXXXXX XXXX XX/XX/2022 - XXXX XXXX XX/XX/2022, NOT HAVING PROVIDED THE CUSTOMER WITH ANY REASONABLE METHOD TO RESTORE A BALANCE TO ZERO ON THE SAME DAY AS THE PRESENTMENT, AND A GENERAL CONSENSUS THAT PNC IS APPROVING EVERY SINGLE ACH AND BILL PAYMENT WITHOUT ANALYZING ANYTHING FOR THE HEALTH OF THE BANK NOR THE CUSTOMER. I HAVE CALLED PNC ON THE PHONE TO EXPLAIN THESE HORRIFIC DISCREPANCIES AND THE REPRESENTATIVES THAT I TALK TO DO NOT GRASP THE SEVERITY OF IT. I AM TAKING MY COMPLAINT TO THE GOVERNMENT BECAUSE OF THE SICKENING FACT THAT I WILL NOT HAVE ENOUGH FOOD ON MY TABLES DUE TO WRONGS SUBJECTED TO ME BY MY OWN BANK WHO DECEIVES ME ABOUT OVERDRAFT SOLUTIONS.
Product: Checking or savings account

On XX/XX/2019, I had another confrontational and unproductive conversation with XXXX with the so called executive department. She has continued to discriminate against me, mispronounce my name, and repeatedly use the infuriating phrase, " I'm sorry you feel that way. '' In response to their gross, and continuous errors. She has continued to discriminate against me, based on my XXXX last name, intentionally misprounouncing it, belittling me, and refusing to assist me based on her clear XXXX, and bigoted views. She constantly brags about not having a manager, and she can do whatever she feels, repeated hang ups and provocations on her end, and her blatant and misguided intolerance. I had a simple debit card dispute which has turned into pure warfare, waged against me based on my last name, clearly, and XXXX status, which they know from viewing my account. XXXX has waged war against me, a simple banking customer, because of my didabled status and last name. I'm unfortunately very familiar with these bigoted attitudes, stemming from the XXXX area, as I've been a resident in this about one year ago. The rest of the country doesn't share and condone this type of bigotry. Why does Key Bank? Because, anyone left to their own devices, with no direct XXXX can and do say whatever they Please. No matter how XXXX, bigoted, intolerant and mostly, XXXX. As I have witnessed first hand in my unfortunate interavtions with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided the Credit Reporting Companies with the proper documentation to remove items from my Equifax, XXXX and XXXX Credit Reports. I have sent them several letters regarding this issue and they continue to ignore my correspondence and take the appropriate action regarding XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I have provided them copies of returned mail, that proves that the information that these companies have provided on my report are false information and thus should be removed from my credit report. I have also provided them information that some or all of these accounts are not valid and proof that the companies could not validate the accounts. The companies provide copies of statements which is not validation of the debt. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items that are inaccurately reporting on my credit report. I have notified the credit agencies of these errors and they have not fix these errors. Please assist me in getting these errors removed. These credit agencies are intentionally disregarding the FCRA. 

XXXX is inaccurately reporting that i was 30 days late in XX/XX/XXXX. This is not accurate information. I have asked XXXX for proof of these lates and I have not received any documentation of this late. So how did you receive documentation and i have not. 

XXXXs is inaccurately reporting that I was 30 days late in XX/XX/XXXX. This is not accurate information. 

Transunion is inaccurately reporting that XXXX XXXX was 30 days late in XX/XX/XXXX. This is not accurate information. 

ACCOUNTS AS A RESULT OF IDENTITY THEFT : EQUIFAX is reporting an UNKNOWN COLLECTION ACCOUNT - that was opened on XX/XX/XXXX with a balance of {$100.00} ; this is not my account. Please remove this account from my credit report. 

UNKNOWN COLLECTION ACCOUNT - that as opened on XX/XX/XXXX with a balance of {$0.00} ; this is not my account. Please remove this account from my credit report. 


Please remove these unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Bank account or service

My grandmother wrote me a check for XXXX, but the date was wrong. I did not notice until the bank teller told me so. Now, this is understandable. I laughed it off and went home to call my grandmother. She apologized and wrote me a new check. Now, keep in mind that she is XXXX XXXX XXXX. After driving quite a distance to pick up this new check, I arrived approximately 1 week later to the very same bank location. And the very same teller. Little did I know, my grandmother had crossed out the new check number and written the old check number. Apparently this is not okay. So, I was denied once again. A little frustrated at this point, but by no means mad. This is again, understandable. After waiting a week and driving ANOTHER quite a long distance, I pick up a third check from my XXXX year old grandmother. Did I mention this has taken up a significant amount of my time and money? Driving long distances and leaving work early, etc. I arrive at the bank once more, same location, same teller, confident that " third times a charm. '' Well it is not. This time, my poor XXXX year old grandmother 's handwriting is " illegible. '' It is to the point where I am being profiled. I was told I need to tell grandma she needs a power of attorney. My grandmother does not need a power of attorney. The best part is, I heard XXXX tellers say the amount of this check aloud. It 's clearly legible.
Product: Mortgage

In  XX/XX/XXXX , we began the process of obtaining a loan modification for the mortgage on our home through Citimortgage. On  XX/XX/XXXX , they emailed a copy of the loan modification agreement that listed the unpaid principle of our existing loan as approximately {$90000.00}. The documentation also listed the new amount of the loan modification as approximately {$92000.00}. When I asked why there was a difference in the unpaid principle amount of our current loan and the modification amount of the new loan, I was given several different and contradictory answers verbally and no answers in writing. When I asked the person declared as our " single point of contact '' for the modification process to put in writing the reason that the loan amounts were different, she outright refused saying that she could tell me over the phone, but was unable to put those same statements in writing. I asked to speak to her manager and left more than one voicemail that have not been returned. I have had several conversations over the last month and they have all ended similarly. We have been working to get this loan modification for over a year an d Citimortgage is threatening that if we do n't complete the documents as they are quickly, we may lose  the opportunity for the offered loan modification, which could potentially risk foreclosure on our home. I view their tactics as adding an additional {$2500.00} in fees to our mortgage with absolutely no disclosure or notification of what the fees are related to and they are using the fear of foreclosure to push this through. I have asked for documentation about the additional {$2500.00} in loan principle many times and have been told there is nothing else that can be done for me. I am hoping the CFPB will be able to assist in getting me answers.
Product: Credit card

While reviewing my credit report I noticed Chase Bank was reporting on debt that I do not recall. Therefore on XXXX XXXX, 2016 I sent a validation letter requesting proof of the debt Chase claims I owe. They did not provide sufficient proof of the debt and it appears to be verification.
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 and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and 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 user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit card

The following information is to the best of my knowledge and memory because of timeframe. 

I have booked a package trip with XXXX and paid for it with my American Express credit card in XXXX of 2018 for {$2900.00}. About XXXX hours before my trip, XXXX called me on XXXX and said that my flight is cancelled ( no reason provided ) and XXXX wont be able to accommodate any other flight therefore they are refunding me 100 % of my trip. I have received a refund of {$1900.00} to my American Express credit card for the flights and the remaining refund of {$1000.00} was to be credited in the next ten business days and it never happened. At this point XXXX stopped responding to my requests for refund status. 

I called my American Express credit card and started a dispute on the {$1000.00} charge providing all necessary documentation including chat log with XXXX representative approving the refund. American Express disputed the charge. My account was at {$0.00} at this point and I decided to close my credit card account. Fast forward four months American Express sends me a bill for {$1000.00}. 

American Express is now showing on my credit report with a balance of {$1000.00} - something I am not responsible for.
Product: Debt collection

On XXXX XXXX, 2021, CAVALRY PORTFOLIO SERVIC add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
Product: Credit reporting or other personal consumer reports

Hello. I am writing to file this complaint because the accounts that I am reporting to be removed are still in my credit report and causing me a lot of damage. ALL OF THESE ACCOUNT ARE VIOLATING 15 USC 1681b- permissible purposes. These credit bureaus do not have a permissible purpose to report these fraudulent items on my report without my consent. 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 accounts that you post on a credit report. In this case, I have not seen any proof provided by these bureaus so they must delete the following accounts.
Product: Credit card

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.
Product: Credit reporting or other personal consumer reports

Company is reporting every month that the account is 90 days late the company to my knowledge has no record of a transaction on this account since XXXX 

This should be deleted as the last recorded transaction on this account was XXXX and therefore over 7 years ago. 

Sallie Mae is reporting a debt on my credit report that is not owed. They are reporting this debt as a charge-off. This debt should have had a 1099 issued when charged off in XXXX  This 1099 and charge-off change the dollar amount from the debt owed to income paid and can no longer be reported as debt nor included on a credit report.
Product: Debt collection

I paid this debt with convergys in XX/XX/XXXX but they have not updated the account since late XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX Balance : {$0.00} CXXXX XXXX  XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Mortgage

I signed up for a third-party bi-weekly mortgage payment service that withdrew funds from my bank account and made my monthly mortgage payments to my lenders. This was done through a company called National Bi-Weekly Administration in Ohio. They made the withdrawls and payments as promised. I recently received noticed from them that they would temporarily have to suspend the withdrawls and payments due to an issue with their bank. I then found out that the CFPB was investigating them and made bi-weekly payment arrangements directly through my mortgage lender. When I went online to close my account with National Bi-Weekly, I was directed to a page that told me I would have to do that by phone. I have been calling the number posted ( XXXX ) daily since XXXX XXXX and keep getting a recording saying that they are experiencing technical difficulties to try back the following business day. I just want to close my account with National Bi-Weekly and can not.