23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

As checking my Bank Statement, I keep seeing charges from Experian on my statement, I have asked them to stop the charges or when you call it is only a message and can not reach customer service ... also On XX/XX/XXXX I called and they claim they can not refund charges and I have no clue on upgrading with them at all because if they CAN NOT return a consumers money I would have NEVER UPGRADED ... I keep in touch with my Bank for my Credit Scores and Reports ... All these credit companies are ripping of customers, because your score is different with each one ... I need them to refund .. All my money
Product: Consumer Loan

Last month they called my work when they were previously told not to contact my work friends or family. I told them I would file last month but I decided to give them another shot. But this month ... .They called my parents when it was two weeks late! They had not exhausted all means to contact me. They could have mailed a reminder if they were unable to get me by phone. Instead they harrassed and violated my rights for personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe depression upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One 's has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Vehicle loan or lease

Hi I bought my car from a dealership on XX/XX/24 and right now no ones answering the phone which is a little unprofessional so I wrote the dealership and called credit acceptance after I bought my car it was fine for a week then the check engine light turned on and my sensors were going off then my parking light went out and so did my brake light when I showed up to the dealership I was told by XXXX the employee to go to the auto body shop the establishment called XXXX XXXX owns so when I proceeded with that the mechanic tells me he does not do electrical work which kinda confused me because I got sent to him by the dealership for all of the problems I listed but ok then he proceeds to tell me that its basic maintenance problems so to my understanding my car should have been maintenanced and checked before I drove off the lot for any spark plug issues for any transmission issues and for anything else while I was in my 90 days. On XX/XX/24 my check engine light popped back on again which was odd bc I only had the car for not even 3 months and this is the 2nd time something is wrong with the car so while I was trying to get in contact with anyone from the establishment my 90 days was over and I would like to talk to someone before it has to involve police because I showed up the lot is empty I came back multiple times and the cameras on the lot can see that still not one associate or owner I pay {$330.00} added with {$210.00} for insurance so thats {$540.00} a month that I spend for a car that has transmission issues electrical issues and more and I was not told about my apr or anything involving about payments from credit acceptance. I tried to contact them in regards of what to do with the vehicle because it is now struggling to drive and they want {$3500.00} at the XXXX  dealership to fix the car because my warranty does not cover it which I was told by credit acceptance but was lied too. No dealership or shop will touch my car because of the electrical issues going on with it I am struggling horribly because of this I am fighting everyday because of credit acceptances scam
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting a discrepancy, my financial institution and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking the transaction was unfeasible. The CFPB 's 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. This lack of accountability and transparency is unacceptable and raises serious concern about consumer safety.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/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 Here I attach, along with the dispute, my fraud report that I just sent to the bureaus for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these accounts, filed a police report, and submitted a FTC complaint. Upon reviewing my credit report in XX/XX/XXXX, I noticed 4 separate fraudulent accounts ranging from credits cards to medical bills. I have been successful in removing some items but I continue to see several items showing even after my repair attempts. Account in question : Creditor Date Opened Balance XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XX/XX/XXXX {$990.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$1000.00} Clearly, these accounts are all over the place and nowhere in my real credit history do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of these companies. Nor have I allow anyone to use my information in acquiring credit these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be, removed from my credit report. I have acquired a police report and submitted it with this complaint. Including a copy of my ID, and social security card. As required in F.C.R.A Section 605B.
Product: Credit card or prepaid card

This is the message I received via text. " First Merchants Bank ( XXXX ) Your card is locked. Call XXXX immediately. '' I do not have an account at First Merchants Bank. This is the second text message from the so-called bank. The first one came XXXX XX/XX/2023, The second one came today, Saturday XXXX XX/XX/2023. I have not responded to these texts.
Product: Credit card

Had my Chime credit builder credit card used for fraudulent purchases. I asked support to suspend the account. They closed it instead. Dispute was found in my favor and the refunded the amount into the closed account as per XXXX from Disputes on XX/XX/2023. But the account was closed XXXX or XX/XX/2023. Tried contacting support. In member services I spoke with Supervisor XXXX, agent XXXX, XXXX, XXXX, and XXXX, and agent XXXX from disputes. None were able to help me obtain the refunded amount that was deposited into a closed account. How can you deposit money into an account that is closed?
Product: Mortgage

We have been attempting to remove PMI from the mortgage of my single family residence as we believed we were able to request this when the LTV reached XXXX %. I paid for an appraisal to get the new value of my single family residence toward XX/XX/XXXX. After the appraisal, I was told that my request to remove PMI was denied because my LTV was at around XXXX %. Confused, because it was my understanding that the PMI can be removed at XXXX %, I further researched the issue, contatced customer service and was told that my " townhome or condominium '' needed to be at XXXX % LTV. Then, I came to the conclusion that Chase has me listed as a PUD instead of an SFR. I submitted a work order to have my property correctly listed as a SFR ( stated on the appraisal, page XXXX, section XXXX, line XXXX ) and to check back in about 10 business days which would have been around XXXX/XXXX/2015 ( The customer service rep agreed that SFR 's should be able to waive PMI at XXXX % ). I did exactly that. Chase stated that we work order was completed and I asked a mortgage specialist to resubmit the request as an SFR instead of a PUD. I received a call stating that request was still denied. I called in today to get the exact amount of additional principal needed to get my LTV down to XXXX % ( Chase stated that it needed to be below {$300000.00} ). In doing so, Chase 's automated system still stated facts about my " condominium ''. I do n't have a condominium, I have a single family residence. Becasue Chase has incorrectly listed my home as a PUD, they have cost me almost {$1000.00} in PMI that should not have been paid.
Product: Debt collection

I submitted a request for FULL VALIDATION of documents from GC services on alleged debt of which they only provided systematic VERIFICATION documentation. 

They did Not provide ALL actual validation documents as requested. Below is the Validation documentation missing. Below is what was originally requested : ****DEBT VALIDATION LETTER**** To Whom it May Concern : This letter is being sent to you in response to me regarding account # XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and *VALIDATIONis requested. This is NOT a request for " verification '' or proof of my mailing address, made pursuant to the above-named Title and Section. I again respectfully request your offices provide me VALIDATION with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; 2.The agreement bearing my signature stating that I have agreed to assume the debt ; 3.Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4.Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed : Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all future attempts to collect on debt including excessive calling must cease, moreover credit report deletion. Sincerely, XXXX XXXX
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 verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts 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 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 was attempting to refinance my mortgage with Amerisave. 
I submitted a loan application on XX/XX/XXXX, and paid {$500.00} ( via credit card ) on the same day. I was told that this would be the only upfront costs, and that I should expect to close by mid XXXX before my next payment was due ( XX/XX/XXXX with grace period ). I was told I did not need to lock the rate. 
After this point Amerisave began sending automated texts requesting information. 
The only information that the Amerisave website tells me I need to provide is proof of funds for a total of $ 12-13K - which is inconsistent with the information that I only need {$500.00} up front. At this point I have checked the disclosures and the disclosures all inaccurately show that I would need > $ 12K at closing. 
Communication from the loan originator and loan processor are extremely slow and unresponsive. 
I sent texts to the Loan Originator on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX with no response from the loan originator. I did receive numerous automated text requests for the proof of funds. 
I left voicemails for the Loan Originator on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX. No call-backs were received. 
I received a survey on XX/XX/XXXX, and provided negative feedback. That feedback was responded to quickly with a statement that they were just waiting on the subordination paperwork. 
On XX/XX/XXXX I received an email stating I had new loan disclosures. Per the above, those disclosures are incorrect. 
On XX/XX/2016 and XXXX I sent emails requesting that the loan originator call me to discuss status. Those met with no response until XX/XX/XXXX. 
On XX/XX/XXXX, I received an email stating basically that it was OK that the disclosures were incorrect. The loan originator committed to call on XX/XX/XXXX which did not occur. 
On XX/XX/XXXX, I sent an email indicating that I had not received the advertised call. 
On XX/XX/XXXX, the loan originator sent an email indicated he had been out due to a family emergency but that he would call me that day. That call did not occur. 
On XX/XX/XXXX I sent an email re-iterating that the disclosures were incorrect, that the lack of quality communication was a problem and that if I did not close by XX/XX/XXXX I would pursue taking my business elsewhere, and seeking a refund of the fee paid. 
On XX/XX/XXXX, the loan originator sent an email indicating that they were still waiting on subordination and would check status before calling back. I have received no communication from the loan originator since this date. 
At this point I am out of pocket for {$500.00} upfront costs, plus the lost savings from 2 months mortgage payments which would total about $ 400-500 per month.
Product: Checking or savings account

XX/XX/XXXX : account was supposed to be credited XXXX dollars for an incorrect charge. They credited XXXX instead and kept telling me it was corrected for 7 months. 

XX/XX/XXXX : I deposited {$2700.00} into my account. The cash was originally posted then taken back from my account. I attempted to call the branch and corporate on XXXX different occasions and they kept telling me I never deposited
Product: Credit reporting or other personal consumer reports

I checked my credit report once again and I saw that Bank of America is falsely reporting my information to the credit bureaus.
Product: Credit card or prepaid card

I have a business card account with PayPal Business Mastercard Credit Card through XXXX XXXX. I have credit limit of {$15000.00} and currently an available credit of {$2600.00}. 

Today, XXXX card has been declined across multiple recurring online accounts. 

At XXXX XXXX today, I called the company 's customer service and was told " Due to a policy that we can not disclose, you will not be able to use the card until 20 days after the end of the statement close. We advise our customers to not make more than 1 payment every 20 days. '' So, it appears that they are applying a term that I did not agree to on making more than 1 payment within an 8 day period. 

After demanding to speak to a manager, I was told, " You can not speak with a manager because the policy can not be overridden. '' Now I have a card that my company relies on that is connected to numerous accounts that is locked down due to a term I did not agree to and a policy that they will " not reveal. ''
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with TRANSUNION.COM, XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Debt collection

I, XXXX XXXX, am a federally protected consumer and THIS IS NOT A DUPLICATE COMPLAINT AGAINST LVNV FUNDING/RESURGENT CAPITOL, ( and not the same complaint as complaint # XXXX that is submitted through this portal ), but yet another/different complaint against this company for violating a cease & desist sent to them on XX/XX/2022, via certified mail with tracking # XXXX marked as delivered on XXXX at XXXX. ( certified return receipt attached labeled Exhibit B ). LVNV Funding/Resurgent Capitol has violated my rights to privacy as a consumer, and is in violation of the FCRA and the FDCPA. According to 15 usc 1692c ( C ) LVNV Funding/Resurgent Capitol is in violation by continuing to contact me via USPS after receiving a cease and desist. The Law states " If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt OR that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector SHALL NOT communicate further with the consumer with respect to such debt, EXCEPT- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ''. The law goes on to say, " If such notice from the consumer is made by mail, notification shall be complete upon receipt ''. Attached and labeled as Exhibit A are scanned copies of LVNV Funding/Resurgent Capitol sending a total of five ( 5 ) different correspondences/letters ( a total of thirteen ( 13 ) pages ) ( last page with violations ) to my address, all dated for the same day of XX/XX/2022. It is obvious that this must be a computer generated error. Nevertheless, LVNV Funding/Resurgent Capitol is responsible for this error. It is my belief that LVNV Funding/Resurgent Capitol has blatantly disregarded not only my request to cease and desist, but also the Federal Laws by continuing to use unfair, unlawful, abusive debt collection practices. This company is also reporting this same account as closed on XXXX and XXXX, and reporting as a collection account on XXXX. All of this activity and inaccurate reporting is causing me much stress and harm, not only to my health but also to my financial reputation and is also a violation to my rights to privacy according to 15 usc 1681.
Product: Debt collection

I have received repeated calls from the Midland Credit Management, and each time I've informed them that I do not wish to be contacted by phone, only through written correspondence. On XX/XX/2023 I received five calls from them as of XXXX XXXX. On the last call, the agent used a blocked number and claimed to be calling from the " Treasury Department '' and it sounded like she was trying to use a different voice.
Product: Checking or savings account

On XX/XX/XXXX, I opened an account with Union Bank through a promotion they have advertised. The promotion is for {$200.00} when opening a Banking By Design checking account and either making a direct deposit of $ 500+ or 10 debit card transactions. 

After successfully opening the account on XX/XX/XXXX, providing SSN, personal information, details, I was happy to have been instantly approved for the account, assigned a Checking Account Number and Routing number. I immediately went to my own bank and set up an ACH transfer to transfer {$500.00} into the account to begin utilizing the account and taking advantage of the bonus promotion. To my surprise, the {$500.00} ACH was rejected by Union Bank, my account was closed, and I received a letter in the mail. The letter stated that they have closed my account due to Credit Reporting Agency and that they have determined I am not eligible for the account. 

This is concerning on many levels. Union bank collected my information, checked my credit, obtained my SSN, opened my account, issued an account number and then proceeded to close my account after funding. As a result of this account closure and subsequent ACH return, I was assesed a fee by my bank that initiated the transfer. I believe this is completely unjust banking practice
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2014 {$1200.00} I have contacted the company but they have not given me a resolution
Product: Debt collection

on this date XX/XX/2019 company I C SYSTEM opened a collection. 
Account # XXXX XXXX $ that I owe I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have no written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureus. 



XXXX XXXX