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

I received a check from my insurance company made payable to me and the mortgage company, SunTrust. SunTrust kept the check and has been making it extremely difficult to get the repairs done on my house. At the beginning they would not approve any of the contractors I hired. They finally released some of the funds when i submitted paid receipts. On XX/XX/2018, I submitted paid receipts for my deck in the amount of {$5800.00} and the door for {$440.00}. I sent in a letter requesting that I be repaid this amount. I have called in shortly thereafter requesting an update on the disbursement of funds and was told that I would have to get an exemption to be paid. I was told by Suntrust that I had to have an inspection before they would release the funds. I told them it was not ready for an inspection yet, that I was not asking for the release of all of the funds, but the funds for which I remitted paid receipts for. I have called nearly daily and keep getting the run around from them. As of today I was told that another exemption would have to be filed before the funds could be released which would take at least another 5 business days to approve and then IF approved then another 3-5 days to remit the check. I have not had the work done yet because I don't have {$5000.00} to cover the check I wrote the contractor for the repairs. He is holding the check until I receive the funds to cover it. They have constantly and consistently delayed the work being done on my house and I just want my house fixed.
Product: Mortgage

Refuse to drop my PMI even though I have almost 30 % equity also over the past year had issues with my escrow and the lender not paying my insurance for over a year did not have any insurance without my knowledge and raising my mortgage at the same time
Product: Student loan

I am an XXXX XXXX military member. Been working towards being eligible for PSLF program. I graduated from school in XXXX. Consolidated my loans and it was serviced by Great Lakes from XXXX. The loans is being serviced through XXXX currently. When the loans was transferred from Great Lakes to XXXX   XXXX, that payment history was lost. I have been trying to get my payment history from Great Lakes since XXXX, but always get automatic replies. I am almost at the 10 year mark of XXXX XXXX service, but am unable to get that history from Great Lakes. Without it I would essentially lose close to 2 years worth of eligible payments. I need them to give me that payment history.
Product: Credit card or prepaid card

I had 2 charge disputes in progress, 1 of which the company claims is/was a reversed charge when it wasnt. Also, I had dozens of fraudulent charges on my account that were declined by the company, but they refused to do anything about it for me other than change the card number.

With the above information said and done, the company had put a freeze on my account AFTER I had made a payment equaling XXXX of the balance last XXXX, the XXXX. I wasnt aware of it until several of the monthly recurring charges/payments I had designated to the card were all declined. I immediately contacted the company, but it took at least 3,4 hours to reach a real person. I explained the situation to them and the supervisor, but they REFUSED to lift said freeze despite the situation of my monthly recurring payments, as well as being a XXXX person on fixed income. I closed the account, I was that disgusted with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company LVNV FUNDING LLC account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$310.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my XXXX XXXX  loan on XX/XX/2023. Approximately one week later, I called XXXX XXXX  to confirm that they had received the final payment and that I had a XXXX balance. I was informed by the customer service operator that they had received my final payment and that I did have a XXXX balance. I then requested a document on their letterhead to prove that I have a XXXX balance and that my account was paid in full. I was informed that XXXX could not accommodate my request, but I will receive a final statement that shows a XXXX balance, and I can use that as proof that my account has been paid in full. Approximately two to three weeks later, I did receive a statement from XXXX XXXX. The statement reflected my final payment and informed me that I had a XXXX balance and that a payment was not due. In XXXX of 2023, I ran my credit report from the big XXXX reporting agencies so that I could review for errors. My credit reports reflected that I owe XXXX {$190.00}. I disputed this amount with the credit reporting agencies and provided supporting documentation. Upon completing the investigation, it was found that XXXX is reporting accurately despite having statements from XXXX informing me that I have a XXXX balance.
Product: Credit card

ACIMA DIGITAL FKA SIMP lease with account # XXXX and a balance of {$3100.00}. 

This account is a charge off account and is no longer active on the creditor books, ACIMA DIGITAL FKA SIMP lease is reporting a active balance to the credit bureau and decline my request for a 1099-C form, creating damages to me an my family credibility intentionally the IRS laws stated that charged off account should be reported as GROSS INCOME, ACIMA DIGITAL FKA SIMP lease is reporting incorrect information to the consumer reporting agencies which is a volition of consumer rights.
Product: Payday loan, title loan, or personal loan

Two years ago I responded to an offer from the Lending Club and I took a debt consolidation loan with them. The payments were {$950.00} and at the time it seemed like a good way to quickly pay off debt. Unfortunately my wife became XXXX and could not work. She applied for Social Security XXXX but that takes years to get. Nevertheless, I kept up the payments. Last summer it was becoming very difficult to make the payments and pay for health care and care for our son. 

I contacted the company and explained this to them and asked if they could reamortize my loan and that I would repay the entire amount once my wife 's XXXX award came in. They refused saying that is not something they do. I continued making the payments until I could no longer do so. The outstanding balance at that time was around {$10000.00}. They have sent my loan to collections, after one month, and when I spoke with them, their response was the same " too bad for you '' that I got from the Lending Club. 

I can not comprehend why, given the circumstances, they would not reamortize the loan. Many lenders actually forgive significant portions if not entire loans when XXXX strikes and all I sought was a reamortization.
Product: Credit reporting or other personal consumer reports

On my credit report, Experian is reporting that I own money to XXXX XXXX. That is not correct and I sent them certified court records that XXXX tried to sue me, but they couldn't proof anything and the judge dismissed the case.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX  {$0.00} XXXX XXXX XX/XX/XXXX {$660.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$2600.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Student loan

I have been trying for several weeks to get in touch with Ed Financial regarding my loan ( which first payment is due XX/XX/23 ) I have sent them messages and have also called with a wait time of 360 minutes several times. I entered my phone number to keep my place in line and have someone call me back and I only received one call back and when I answered they hung up. I have done this multiple times and have never received a call back since. I have some questions as I was supposed to have a grace period of 6 months after my son graduated ( graduated in XXXX ) which should make my first payment due in XXXX not XXXX. I have completed an application for direct consolidation of my loans. I have not hear anything back on my application. 

While typing this I just received a call from Ed Financial at XXXX XXXX I answered the call and said hello and nobody said anything and then I was disconnected. 

I have read several reviews with the same complaints from people stating they have not received any calls back from Ed Financial. 

I have questions as I am new to the student loan process and the lack of communication with Ed Financial is discomforting. 

Something needs to be done in order for people to obtain the answers they are looking for. 

Thank you.
Product: Checking or savings account

In  XXXX , I had filed a claim in the amount of {$200.00} and was issued a temporary credit of {$200.00}. The claim was recently denied and the {$200.00} was taken back out of my account on XX/XX/XXXX  which caused my account to go negative. I deposited cash into my account to make it a positive balance. Yesterday,  XX/XX/XXXX , the bank withdrew fees of {$100.00} which again made the account go negative and cause another NSF fee of {$35.00} to be withdrawn in addition to the {$100.00}. I had filed a CFPB complaint on  XX/XX/XXXX  in regards to the bank not properly disclosing a change in process regarding fees. The complaint number was  XXXX . These {$100.00} fees from  XXXX  were in relation to that same scenario which previously got corrected by the bank in  XXXX . I contacted the bank this morning and spoke with someone in claims who said they were n't the right department so they transferred me to collections, who of course was n't correct. I called on my lunch and spoke with the general customer service who said they would have to transfer me back to claims. Again, they said they could n't help me. I am asking that these fees be refunded back to me in order to put my account back into the positive status that it was prior to them being taken out. I have been a customer of this bank for 20 years and the level of customer service is horrible now compared to what it used to be. I even recently had fraud on my debit card which I know is increasing from every bank, but the customer service I received at the branch when trying to obtain a temporary bank card ( which I never got ), was ridiculous. They told me they were too busy and that I 'd need to make an appointment, but that if I could just wait a few days my card would come. I 've seriously considered small town banking again.
Product: Vehicle loan or lease

On JuneXX/XX/2021 I traveled from Indiana to XXXX, New York to purchase a vehicle from a private seller. I was told there was a lien on the vehicle, so I traveled with the seller to his bank, XXXX XXXX XXXX, and I paid off the remaining loan on his vehicle, XXXX approximately. I gave him a total of XXXX for the vehicle which he had previously purchased from a dealership for around XXXX. I recived the title for the vehicle, bill of sale, and lien release. 

However, on return to Indiana and while attempting to register the vehicle, I was informed that I could not register it due to the fact there was still an open lien on the vehicle through a different bank called Westlake Financial based in XXXX XXXX, CA. I have attempted to contact Westlake over 15 times concerning this issue via both phone and email. I have sent them a number of emails stating my situation and providing proof of ownership with scans of the title, bill of sale, ect. but have received no response.

I simply want to know if there is in fact a lien still on the vehicle, how much money remains to be paid off, and if the lien has been satisfied I would like to receive a lien release so I can finally register and drive the vehicle I paid for. The previous owner is not cooperating either, but Westlake should be able to provide me with the information I request at this point. Thanks for your time!
Product: Debt collection

First mail to collect account from XXXX notifications to XXXX XXXX for XXXX death.. 
Request XXXX  be closed.. XXXX requested equipment be-sent back.. received package to box up equipment.. Took the equipment to drop off XXXX near by.. Box would not completely enter in to drop box..Do not know what happened to the equipment after drop off.. 
Ordered XXXX XXXX XXXX of XXXX after closing XXXX XXXX account.. 
Never received a final bill from XXXX, just this debt collection notice..
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus XXXX, XXXX  and equifax to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature. Please see attachment with the list of companies with fraudulent accounts/inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOITHER endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$540.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$550.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$480.00} ; XXXX XXXX XXXX XXXX Balance : {$100.00} ; 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 ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX  Account # XXXX, XXXX  XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX Account # 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

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

Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The inquires below are fraud and needs to be removed from credit report. 

Inquiry details 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

My name is XXXX XXXX XXXX please delete any other version of my name.I had an issue with my information being compromised and my personal identifiers were being used without my permission and without my knowledge. I was contacted by my bank concerning unusual charges and transactions. I have resolved most of the charges, and now I am dealing with addresses and correcting my personal data. My current and only address is XXXX XXXX XXXX XXXX A, XXXX XXXX, OH XXXX. Please delete any other address : XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX XXXXXXXX, OH XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, WA XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, WA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, OH XXXX. 
I do not have any of these phone numbers please delete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
My accurate DOB is XXXX. My SS # XXXX. 
I have found several Inquires that do not belong on my file that I demad to see proof of these unauthorized inquires please delete : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, US SM BUS ADMIN ODA
Product: Debt collection

LVNV is required by law to send correspondence debt of validity to my address. I havent received any debt of validity by mail. Failure to provide rights to dispute and reporting an alleged debt to the credit reporting agencies is against the law. Additionally, there has been active police investigations and reports filed due to identity theft for various credit accounts under my name. Immediate deletion of the credit reporting to credit bureaus is required as I am also sending this complaint to the CFPB as well for violating FCRA section 623 ( a ) as the data furnisher and the FDCPA for credit reporting an alleged debt without debt of validity being sent to me by mail correspondence to the correct address and reviewing active FTC ID THEFT reports and police reports before reporting this alleged debt to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

early reporting agency reporting inquiries on my credit report that are unknown, unrecognized and unauthorized.
Product: Checking or savings account

There was an unknown transaction in the amount of {$300.00} that took place around XX/XX/22 that funds were taken out of my account. I do not know who the receipient of the funds were and brought this to the attention to Discover Bank promptly that this was an unauthorized/fraud transaction that occured. I received a letter stating they would not be issuing a credit to my account to correct this fraud transaction.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against Experian for its failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding the reporting of inaccurate information in my credit history. Specifically, this pertains to the XXXX  XXXX XXXX account with the partial number XXXX. This account contains substantial errors that have negatively impacted my credit profile. 

Specific Issues with the Account 1. Incorrect Status : The account is reported as " Collection/Chargeoff '' by Experian, while other credit bureaus provide different statuses for the same account, highlighting a lack of data consistency.

2. Inaccurate Payment History : Delinquencies, such as 30- and 60-day late payments, along with a " Chargeoff '' status, are recorded for XXXX and XX/XX/year>. These dates do not match the information provided by other credit reporting agencies. 

XXXX. Date Inconsistencies : The date of last payment and the date of last activity on the account are inconsistent with records maintained by other credit bureaus.

FCRA Violations 1. Section 607 ( b ) : Accuracy of Information Experian is required to ensure the accuracy of all data reported. The discrepancies in account status, payment history, and dates violate this requirement.

2. Section 611 ( a ) : Reasonable Investigation of Disputes Despite prior disputes filed regarding this account, Experian has failed to conduct a reasonable investigation and correct the inaccuracies, as mandated by this section.

3. Section 605 ( a ) : Reporting of Obsolete or Inaccurate Information Experian continues to report information that is inaccurate and outdated, which is prohibited by this section.
Product: Credit reporting or other personal consumer reports

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for Capital One to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account Capital One - XXXX XXXX XXXX digit XXXX : XXXX