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

Dear sir/madam I am trying to file a complaint regarding a leased car. I had an incident on XX/XX/2021, I got a flat tire, i hit a curb and 5 of my airbags deployed.I tried to file a claim with my insurance company assuming i was covered, and I was informed that I do not have collision coverage on my vehicle, therefore they can not do anything about that. I obtained the insurance requirements from Volkswagen Credit and the requirements are completely different from what the insurance company issued. Even though my insurance did not meet the requirements of Volkswagen Credit, VW Credit still accepted it and the car dealer issued the car. In a normal situation, the procedure would be to force place insurance on the vehicle since mine was not sufficient, and I should have been informed by letter and a phone call regarding the force placed insurance. None of that happened, and i called the financial institution and they confirmed that no insurance was force-placed nor was i notified via letter or a phonecall. Wherever I call now, they tell me that they can not do anything about this. I have copies of the lease contract, the insurance requirements and my insurances declaration page. I contacted several government agencies, and because it's a delicate situation, they didn't know what to do. 
I dont know what my next step should be, I tried all available routes to no avail. 

Hoping to hear from you soon thank you regards XXXX XXXX
Product: Checking or savings account

I am a customer with Digit/HelloDigit, the savings application. On XX/XX/XXXX, I had a little over XXXX in my account ( between a couple of goals set ). This money was earmarked for a medical expense, for which a deposit must be paid by this Friday. On Saturday, I checked to ensure the money was there, and over XXXX of the funds were gone. I have attempted to contact Digit numerous times through email ( they do not have a customer service number ) and have heard nothing back. In addition, they did not reach out to me when this occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Your item was picked up at a postal facility at XXXX XXXX  on XX/XX/2023 in XXXX, GA XXXX Delivered, Individual Picked Up at Postal Facility XXXX, GA XXXX XX/XX/2023, XXXX XXXX  On this date Equifax received my dispute letter and as of today have not responded according to law they have 30 days to respond and have not done so ....
Product: Debt collection

This account was previously submitted to XXXX Attorney General 's Office for illegal collection practices. I later was informed that Attorney General 's Office of XXXX was unable to locate holder of account. This account has since been to sold numerous but I was not notified, thereby accumulating massive fees without my knowledge. After reviewing credit report and numerous phone calls, I was connected with Pech-Huges of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. Upon speaking with individual, was informed of an expected payment amount with-out seeing the actual balance owed in writing
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX
Product: Debt collection

Today by XXXX I received a collection letter from R.A. Rogers , Inc attempting to collect a debt from creditor XXXX XXXX XXXX XXXX on a XXXX account that was paid in full I believe around 2013. 
I have a concern with the collection fees with R.A Rogers {$5500.00} on this account. Please address this with R.A. Rogers this same like some kind of SCAM.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. I submitted 5 disputes, 1 of which came back within 15 minutes. There was no way a proper or adequate dispute was done in this regard.
Product: Debt collection

capital one- XXXX I have received repeatedly phone calls all through the day ( robo ) recorded calls the name is XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX  THERE WERE MORE PHONE CALLS THAT WAS CALLED REPEATEDLY I WOULD NOT HAVE ROOM TO LIST THEM ALL.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2023, I fell victim to XXXX multi layered scam operations run by XXXX, which involved me making deposits for a total amount of {$75000.00} from my Coinbase account to fraudulent investment firms..
Product: Credit reporting, credit repair services, or other personal consumer reports

Tranunion need to remove late payment from XXXX XXXX XXXX XXXX XXXX XXXX my payment never been late. I sent proof of payment delinquency showing paid on time never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

There is a need for a full accounting of this account because XX/XX/2022 a charge ( XXXX ) it was disputed I was allegedly refunded but now in the leger there is a - sign by it. 

IT LOOKS TO ME LIKE PAYPAL is refunding and then taking the money back from peoples accounts.
Product: Student loan

I attended the XXXX XXXX of XXXX and XXXX in XXXX Illinois. When I applied for student loans I was told my parents income was too high to qualify for federal loans, even though they were unable to help pay my college tuition, and was forced to take out Private Student Loans through XXXX XXXX. Upon graduating I was unable to repay the loans so I was forced to defer them. Eventually I began to make payments, around XXXX dollars a month. I have been paying the loans on time for over a year now and without warning they have now began taking an additional XXXX dollars out bringing my monthly payment to over XXXX dollars a month. When I called they told me it was because of added interest. When I tried to look into reducing my monthly amount they told me there was nothing they could do for me because I have cosigners. My cosigners are my grandparents, who are not able to help financially, nor would I expect them to, and my aunt who also is not able to help. They are unwilling to work with honest people who want to pay off their depts and continue to up the monthly payment without any type of warning.
Product: Credit card or prepaid card

My card has been declined many times over the past month, and all my payments being held ( for security purposes ). When I check the account online, the balance is XXXX, and card declined. I have accepted this for a while and have used other credit or debit cards, but today my daughter who is XXXX had the card declined at a gas station and had to wait for 1 hour and 40 minutes until I was able to get Citi Card to clear the payments made 12 days ago ( on XXXX XXXX.Today is XX/XX/XXXX ). Two of the attendees just hang up on me, and the third one connected me to my checking account bank to verify the payments. While on the phone, XXXX XXXX  explained that it is Citis responsibility to get the payment, which happened only on the XXXX of XXXX, and cleared only yesterday, the XXXX of XXXX. Despite all the bureaucracy that seems to involve a simple payment made over the Citis app, even after Citis supervisor say that the payment was only cleared on XX/XX/XXXX, my daughter was still shooting me desperate text messages, because it was very embarrassing to have to wait at the gas station for the card to work at her lunch time, which was only 1 hour. She had to call up a friend who came to lend her money because Citi couldn't take care of the " problem '' right away. 
Is unacceptable to me as a client that I have my purchases declined at cashiers, that my daughter goes through this situation, that my money is being held at no interest, not even respect, for weeks. All I was told after all, was that they apologize for the inconvenience. 
My conclusion was that if I cant rely on a credit card, it becomes useless, I decided to close the account. When asked the attendant about the miles I have on it, she said she couldn't anything about it. 
Money cost money. I have had over 7k held by this financial institution for no cost, and am disgusted by it. This situation should really be reviewed by who can respect and defend the costumerrights.
Product: Credit reporting or other personal consumer reports

Complaint Narrative : I am submitting this complaint due to persistent failures by XXXX, XXXX, and TransUnion to address inaccuracies related to identity theft on my credit report. Despite filing an FTC Identity Theft Affidavit and a police report ( XXXX XXXX. XXXX ), the bureaus continue to report fraudulent accounts associated with unauthorized name and address variations that are not legally representative of me. 

I requested a detailed method of verification for each disputed item, as required under FCRA XXXX XXXX. XXXX, but was only provided with vague responses, indicating verification through unspecified third parties. I have reason to believe these third parties are not properly validating the information, as several third-party data vendors have already been frozen and opted out. 

The accounts in question have either been verified inaccurately or lack any substantiation. The continued reporting of these items, given my submitted identity theft documentation, violates the FCRAs mandates on accuracy and verification. I request immediate action for : XXXX. Removal of all accounts associated with unauthorized name variations or mismatched personal identifiers. 
XXXX. A full disclosure of the vendors and third-party entities used in the verification process. 
XXXX. Legal assurances that these inaccurate items will not reappear on my credit file. 

I trust the FTC and CFPB will thoroughly investigate this matter to hold XXXX and related bureaus accountable for compliance with federal regulations.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within XXXX business days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

My father, a XXXX veteran, died in XXXX 2016. I knew he had Suntrust accounts and my goal was to put Suntrust on notice that he was no longer living and to freeze any further checking account activity, especially automatic debits. I went to a local branch of Suntrust with copies of the death certificate ( XXXX in total, all certified copies ). They told me I needed letters of administration identifying me or another person as a representative of his estate in order to freeze his accounts. I told them I found this requirement an unreasonable burden in that no one had presented a will on his behalf yet ( it had only been 2 weeks since he passed away ) and I believe he passed away without a will. In questioning the policy, Suntrust 's consumer complaints ' office said that the copies of the death certificate were not " original '' death certificate. But my copies were certified copies of the death certificate. The local branch would not accept a copy of the death certificate, and Suntrust generally never requested a copy of the death certificate for the investigation of my complaint ( all my copies have official seals ), and the local branch never acknowledged that a death certificate could serve as enough notice to freeze account activity.
Product: Debt collection

I received a call about a week ago regarding a bill from XXXX that I truly believe was taken care of months ago. I requested a validation of the debt because of this and the collector refused. I continued to ask for validation and why he could n't provide it. He became very heated and argumentative at which point I ended the call as I was not going to tolerate the yelling. 

He immediately called me back and said " our call must have been disconnected '', which clearly was not the case. He continued to be loud and argumentative. He then indicated that he was marking my account as refusal to pay ( even though I have not refused to pay ). I told him to do what he felt he needed to do, but since this was n't the case I needed to speak to a supervisor. 

This supervisor was made aware of the issue and that there was at least XXXX FDCPA violation. He indicated he was going to review the call recordings, speak with quality assurance and take the proper steps to rectify the situation as well as request a validation of the debt. He was to get back with me regarding the situation, but no call or letter was received to this effect. 

Fast forward to today, I get a call from another bill collector ( same company ) and he indicates there are no notes about this previous call having issues, no request for quality assurance to review and no indication that I made claims of FDCPA violations. I request to speak to his supervisor to verify this information and I spoke with XXXX who was very nice, but did indicate the only thing notated was that i requested a bill from them. He indicated he was going to take action on this, but still tried to collect the balance on the bill. I know they need to ask, I worked in collections for 10 years. It just seemed slightly inappropriate given the circumstances of why I was speaking with him. 

Thinking further, they also did not do anything to truly verify I was who they were looking for. Granted my name is quite uncommon, they just asked if I was so-and-so and did not request I verify an address or date of birth or anything of that nature.
Product: Credit reporting or other personal consumer reports

I REVIEWED MY CONSUMER CREDIT REPORT AND NOTICE THATI HAD XXXX ( XXXX ) LATE PAYMENTS ON AN ACCOUNT THAT I NEVER WAS LATE LIKE MY OTHERS ACCOUNTS AND THE CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSABILITY TO REPORT CONSUMER INFORMATION TO THE BEST OF XXXX ABILITY WHIT MAXIMUM ACCURACY, I HAVE NEVER BEEN LATEON PAYMENTS FOR THE ACCOUNT ( NAME : XXXX XXXX ) ( XXXX ) PLEASE INVESTIGATE AND PROVIDE PROOF WHIT STATEMENTS SHOWING THAT THOSE PAYMENTS WERE LATE. 
IF THE PROOF CAN'T BE PROVIDED, I DEMAND THESE PAYMENTS BE UPDATED TO ON TIME AS THEY SHOUD BE AS I WAS NEVER LATE. 

THANKS
Product: Bank account or service

On the morning of XX/XX/XXXX I went online to make a transfer from my savings account into one of my checking accounts with Regions Bank. I noticed in my online portal that there were some pending charges. I also noticed that I was assessed an overdraft fee of {$100.00}, however, the balance at the time the fee was assessed was not negative. I completed my transfer and called to get clarification. The representative told me that while the pending charges had not been taken from my account ( or even been requested from the merchants ) they had preemptively applied them to my balance, thus creating a negative balance and charging XXXX separate overdraft fees to previously made transactions that had already posted, even though the balance after these transactions was still positive. I was rather confused, because this same policy is not applied to deposits, even if transferred with another account within the same bank. When I pushed the issue, I was told that my banking portal was not the same portal that the bank uses, and therefore they were seeing charges and assessing fees based on their interface. Basically, while customers have access to the transactions on their account right away in the portal, the online interface does not calculate balance in the same way that the associate interface calculates balance. So, while customers see that transactions have been covered with a running, positive balance, the bank sees something different. This is deliberately deceptive and misleading. Although the bank claims that this online banking interface is just a " tool, '' the fact that they do, in fact, have access to information that they are not updating in the portal leads to issues with customers ' understanding of their bank balance, especially when transactions are posted in the customer portal in such a way that it appears that the balance available is still positive. Assessing fees based on projected fund withdrawal, while not counting projected funds deposited is unfair and, at best, questionable. I would be interested to know how much money Regions bank has stolen from customers by assessing fees based on projected account activity. If this is their policy, then all customers should have access to the same account information through a comparable interface, rather than one that is intentionally set up to confuse and manipulate the customer. Surely, this ca n't be a fair and ethical practice.
Product: Vehicle loan or lease

I have been making payments to Westlake Portfolio Management since they took over American Car Center last year XXXX. I am receiving misinformation from Representative that work there and my payments are not being applied as I been advised. I was told just recently on XX/XX/XXXX that if I paid {$270.00}. That will take care of my XXXX payment and XXXX is what due. I have statements of what I paid but they are misapplying payments, taking my money for not what I been told but applying for previous months. I have now {$520.00} bill for XXXX and not sure where that extra {$270.00} came from? Someone really need to take a look into this company because it's ridiculous with not trained associates taking people money. I literally just paid {$270.00} on XX/XX/XXXX and it shows on statement but it's like it wasn't applied because I am owing over {$520.00} now. It is very hard to speak to a manager with this company.
Product: Mortgage

Urgent issue - 2 month process ... Made up HOA fees, and other supposed liabilities. Given incorrect answers and suggestions based on false information -- ex., no you can not provide a market analysis or prove that you have a property manager to verify that you plan to rent out your current home and buy a new home BECAUSE the VA says so, then its because NFCU says so, and then its because my superiors said so. The VA allows for the things above and a three way call was conducted to prove that. No accountability after being proven wrong, just deflection and new changes to debt that were made up.Then, it's you can turn in your car and provide a signed lease and that will fix the exaggerated debt that they added/made up. Fabricated debt was confirmed by an employee on XX/XX/23 but was suspected a few weeks before. The request for the written breakdown was finally submitted after multiple requests and it seemingly intentionally omitted the falsified numbers that were concocted. False debt numbers inputted into our loan application on multiple occasions to make sure our debt remained high even after paying of the nine credit cards which improved our credit score. Would like assistance for someone to review our account with me. An updated loan estimate has not been provided since XX/XX/XXXX. Dishonest responses about the reason why potential rental income could not be used and no accountability when proven that the VA allows it, based on chapter 4 in the pamphlet and the correspondence we had with the VA on a three way call. Excessive tasks and constantly changing DTI percentages even when debt is paid down. Excessive email correspondences to hide and cover up the errors. Hang ups and no return calls from the next person in the chain of command. Constant changes in the potential closing dates by finding out that our information was never sent to underwriting. Incorrectly documenting that we are frustrated or any other emotion about the process. It has been two months since we reached out to start the process and our rate lock is expiring this week. Time is of the essence. A constant request to submit a signed lease or turn in our leased car although the numbers aren't adding up to merit such actions.
Product: Credit card or prepaid card

This credit card 's customer service is totally ridiculous and a disaster, first of all they take forever in verifying the account, and then secondly for every small inquiry I have they keeop on transferring me from one department to another. 

The online chat section is worthless because one person is taking care of multiple inquiries, I had problems with the credit card yesterday and I made a complaint with CFPB and today I am doing the same. 

I don't understand why you guys ask the customers name to verify the account when there are so many different nationalities living in XXXX with different names and it's very very hard for the customer and the customer service agents to understand the name, it should be plain and simple, you should be just be asking about the credit card number, the date of birth and social, thats it, XXXX is making it unnecessarily complicated and difficult to verify the account. secondly, I called in today to know that how can I use the accumulated point on my credit card, the customer service did not have an answer of it and wanted me to tranfer to the rewards department, if the customer service doesn't have an answer of this small inquiry, why are they sitting over there?
Product: Debt collection

Original Creditor : XXXX XXXX XXXX XXXX Date of Service : XX/XX/2016 This debt in question of {$9400.00} was paid through XXXX XXXX XXXX XXXX of Illinois medical plan. Any and all amounts or out-of-pocket expenses have been paid and settled accordingly. 

XXXX XXXX XXXX XXXX has since sold this account to another agency XXXX XXXX XXXX XXXX and placed with MBA Law for collection, and forfeited their right to collect any further money from me.