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

On XX/XX/XXXX, my XXXX XXXX XXXX was repossessed without prior notice of default or an opportunity to cure the default. The repossession occurred between late evening on XX/XX/XXXX and the morning of XX/XX/XXXX, at a private driveway I rent. I received a Notice of XXXX dated XX/XX/XXXX, but it was delivered after the repossession, on XX/XX/XXXX. 

Timeline of Violations : 1. Lack of Notice Before Repossession ( UCC 9-611 ) : I was never given proper notice or an opportunity to cure the default before my vehicle was repossessed. The first communication I received from Honda Financial Services was a Notice of Cancellation, dated XX/XX/XXXX, but received the day after the repossession occurred. This violates UCC 9-611, which mandates notice before repossession.

2. Breach of Peace and Trespass ( UCC 9-609 ) : The repossession agents trespassed onto my private property without my permission, constituting a breach of peace and violating UCC 9-609 and XXXX XXXX  trespass laws . 
3. Consumer Leasing Act ( 15 U.S.C. 1667 ) Violations : Honda Financial Servicesfailed to provide proper disclosures related to my rights and the repossession process, in violation of the Consumer Leasing Act. This failure prevented me from accessing critical information about my rights, adding to the undue hardship.

Immediate and Irreparable Harm : I rely on the vehicle for medical appointments and treatment for a torn ligament in my right wrist, including an upcoming XXXX. 
The repossession has significantly impacted my ability to work and meet family responsibilities. 
These actions have caused severe financial distress and emotional suffering due to the improper repossession and lack of prior legal notice. 

Contract Violations : Under the terms of my Closed-End Vehicle Lease Agreement, Honda Financial Services was required to provide notice of default and give me an opportunity to cure the default. These terms were not followed, and the repossession was carried out in violation of the agreed-upon procedures.

Legal Violations : UCC 9-611 : Failure to provide notice and an opportunity to cure before repossession.

UCC 9-609 : Breach of peace and trespass during repossession.

Consumer Leasing Act : Failure to provide proper disclosures about the repossession process and my rights.

Truth in Lending Act ( TILA ) : Lack of transparency regarding repossession-related fees and charges. 
New Jersey Consumer Fraud Act : Unconscionable and deceptive actions in carrying out the repossession.

Request for Urgent Regulatory Action : Given the harm caused by this unlawful repossession, I am requesting the following : 1. Immediate return of my vehicle so I can continue with my medical treatment and meet my family responsibilities.

2. Compensation for all feesrelated to the repossession and the financial impact of losing access to my vehicle.

3. A formal investigation by the CFPB into the practices of Honda Financial Services and its affiliates for their violations of state and federal consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 We ( XXXX and XXXX XXXX ) were approved for a deed in lieu with our Mtg Company SLS ( specialized loan servicing ).

We continued the process and completed this transaction with a deed and lieu and the property was turned over to SLS.

Loan # XXXX My complaint is that SLS is reporting falsely reporting that this is a Foreclosure on all three credit bureaus. 
My husband and I have made numerous calls to SLS to have this resolved and SLS reports that it being reported correct. 

I have also filed disputes with the credit bureaus with no resolution. SLS continues to report that the loan is a foreclosure and is being reported correctly.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint in reference to inaccurate personal information. That is being reported on my Equifax consumer file. I am disputing the personal informations of outdated inaccurate address information.

The addresses that are being reported are alias addresses. As stated on Equifax credit file it states that all the addresses are reflects dates of addresses o the same dates but different locations at one time.

I demand that these addresses be deleted, as a result of your reporting. It is putting my personal information at teh risk of identity theft. Please delete the list of alias addresses below as, they are not my addresses and I am not living there.

See list below to be removed : Addresses Date Reported XXXX. XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Texas XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX
Product: Checking or savings account

I sent a check to XXXX XXXXXXXX XXXX XXXXXXXX for {$8.00} on XX/XX/2022. XXXX did not cash that check and someone else took that check and check washed it. They wrote a check to XXXX XXXX XXXX for {$740.00} on XX/XX/2022. PNC took the money out of my checking account on XX/XX/2022. I proceeded to tell my bank that this was not a check that I wrote. PNC took all of my complaint information about the fraudulent check and had it notarized. They sent the information to XXXX XXXX XXXX  on XX/XX/2022. This is the bank that the XXXX XXXX XXXX deposited the check into. I have been in contact with PNC for over 5 months now with no results. I would like to know when I can expect my money back. I am a XXXX  with very XXXX XXXX  and need the {$740.00} to live on. I hope that you can help me. I really appreciate your attention to this matter. I don't know what else to do anymore. Thank you
Product: Prepaid card

Rush Card without my consent put a hold ( Potential Fraud ) on my account, locking my entire account down. Due to a refund from XXXX XXXX in the amount of {$550.00}. As stated from RushCard they required that I email or fax a copy of the receipt of the refund as well as a copy of my drivers license- as I did fax and email. I have no access to my account what so ever. As calling RushCard, they continued to tell me there was nothing they could do, even though I provided proof the XXXX refund was indeed valid. Which has tied up me paying my rent and other bills.
Product: Debt collection

Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Experian Dispute Department, I am writing to formally dispute an item on my credit report related to my account with XXXX XXXX XXXX. My Experian report indicates that this account is still being reported as unpaid, which is incorrect. 

I have received a letter from XXXX XXXX XXXX confirming that my account was paid in full. Additionally, I received a 1099-C form from the company, which indicates that any remaining debt was canceled. This documentation clearly shows that the account should not reflect any negative information on my credit report. 

Please find copies of the letter from XXXX XXXX XXXX and the 1099-C form attached to this letter for your review. 

I kindly request that you investigate this matter and update my credit report accordingly. I look forward to your prompt response regarding this dispute. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX **Attachments : ** XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 1099-C Form
Product: Credit reporting, credit repair services, or other personal consumer reports

I made telephone contact ( XXXX ) with DeptED/XXXX  to stop reporting incorrect information to all three credit bureau. The date of the last activity is incorrect. They are no longer the loan servicer for my student loans. I spoke with ( XXXX-agent Id XXXX ) and she informed me that XXXX does not report information after seven years. She explained that no XXXX  balance on all accounts. She further asserts this should not be reporting on my credit report and they have not sent any information to the credit bureaus. She told me to send a copy of my credit report to verify what is exactly being report so they can see and make a dispute. XXXX I clearly do not understand why XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, and Transunion. The following loans are out of date : 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 When reaching out to all credit bureaus XXXX, Transunion, and XXXX  all verify the information is correct. These loan amount all affect my debt to income ratio. I do not have any student loans with the Department of EducationXXXX. This company is not a loan servicer. The information should be completely removed from all of my credit reports and they have cost me Loan opportunities DECLINED for home loans due to the debt to income ratio is too high. According, to the Consumer Protection Fair Credit Report all information on all three credit bureaus, must be reported correctly with the same date of last activity, balance amounts, correct address information, and correct date of birth, correct year of birth, and correct address. When calling into Department of EducationXXXX they did not have my correct address, they did not have my correct telephone number, they did not have correct current information. I am going to take my concerns to Court to enforce my rights as a consumer. I have written at least five letters since XX/XX/2020 trying to correct this information.
Product: Vehicle loan or lease

When I purchased my vehicle my credit score was not the best. Chrysler Capital charged me a very high interest rate to get my vehicle loan. The interest rate was between 16-17 %. 

Unfortunately the monthly payments for this loan has become very hard for me to make. I have called and spoken to Chrysler Capital several times to request my interest be lowered and explained the circumstances. The only thing Chrysler Capital has offered to is put the back payment to the end of the loan. This loan seems to never get lower and it is still very hard for me to make these payments. All I want is to have the interest lowered so that my monthly payments can be lower and that the loan can be paid off sooner. At the rate of 16-17 % this vehicle will never be paid off and the car is way underwater. 

Chrysler Capital will not assist me with this. They have right out said no we will not refinance nor will they lower the interest rate on this loan.
Product: Consumer Loan

Under Complaint Number CFPB complaint number XXXX I, XXXX XXXX XXXX will like to add a new complaint against GM Financial, their address is XXXX. XXXX XXXX, XXXX XXXX XXXX. GM Financial brought my car loan from AmeriCredit several years ago under Account Number XXXX. The product of this loan number has been reported as a deficiency to National Highway Traffic Administration reference number XXXX ; also reported to the Federal Trade Commission under XXXX, and also it combines to substantial ground with Federal Trade Commission Report # XXXX that clarifies incident of identity fraud. This loan was also reported with Police Report Number XXXX to Experian Credit Bureau Report Number XXXX. Report is being followed up with the U.S. Supreme Court XXXX in which XXXX XXXX XXXX is involved with this loan which is reported as a deficiency. The product was sold to me with hidden damages which I was not aware of at time of Purchase in XXXX XXXX. I have tried to resolved this issue with G.M. Financial in it is off of my credit report but the issue is that G.M. Financial is demanding money from me for late fees due to the fact that investigation is going on against the XXXX XXXX of this product. G.M. Financial will not release a Title Lien or Title of the product. The product is clarified as being paid on all three credit Reports so G.M. Financial should release Title to in correspondence. The information of product is a XXXX Ford Taurus the VIN Number is listed on the National Highway Traffic Safety Administration Report. Note : There was a VIN Error Certification filed as part as investigation. I, XXXX XXXX XXXX resides at XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX. I can be reached at XXXX for further questions. The investigation is still pending for review. I XXXX XXXX XXXX desire the will of the greatest, the best, and everlasting within my civil rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent out dispute letter XX/XX/2022 and i have not received a response
Product: Mortgage

I have a new mortgage that was taken out through XXXX ( XXXX XXXX XXXX XXXX ). Their service was great. I was advised by them that my loan would be sold to a mortgage servicer once I closed, which was fine. I was also advised on the benefits of setting up bi-weekly payments, which for me is how I have to pay my mortgage to make it fit into our budget. I am the sole provider for a family of XXXX and I make enough for the family to survive and be able to save just enough. Once I received my first bill from Rushmore Loan Management Services I  immediately called, more than a month before my payment was due to setup automatic bi-weekly payments on my paydates. I was dismayed when the customer service agent advised that their company does not offer bi-weekly payments and that if I made bi-weekly payments they would hold the funds and not apply it to the mortgage until a full payment was received which is ludicrous. If any payment is made it should immediately be applied to the loan regardless of the amount. Additionally, I should have the option as advised by XXXX XXXX to make bi-weekly payments. The customer service agent stated that they have received several complaints from their customers for a lack of offering bi-weekly payments and that their management staff was 'looking into it '. I hope this complaint serves as motivation to 'look into it ' a little deeper. If a response is not received I will follow up this complaint with complaints to many other government agencies that may have jurisdiction over Rushmore Loan Management Services.
Product: Credit card

On XX/XX/XXXX I received a letter from a XXXX XXXX XXXX, Executive Director, Member Debt Solutions, USAA Federal Savings Bank, that payment on my USAA credit card account ending in XXXX was past due and I owed {$39.00}. 

I thought this was a problem because I do not currently have a USAA credit card. Over a year ago ( XX/XX/XXXX ) USAA decided to transfer all of their credit card accounts from Master Card to Visa. Since I had not used the USAA card in ten years I chose not to activate the Visa card they offered, leading me to believe that I did not have a credit card account with USAA as I had not authorized issuance of a new card account. 

When I called regarding XXXX XXXX letter I was informed that my current USAA Auto Insurance bill had been charged to the Visa card that USAA had offered but I had not activated. I had not received notification of that charge nor did I authorize the charge. Yet it was still charged to the card that had not been activated. ( Attached is a screen shot from the my online account record indicating that as of XX/XX/XXXX the Visa account had not been activated. ) I am wondering how a bank can charge a credit card the account holder has not activated. USAA claims they just " transferred the XXXX XXXX '' account. This feels to me like they opened a new credit card account without my expressed permission and then started charging that account without my permission. As a consumer these actions feel very much like what happened at XXXX XXXX - the bank opening accounts without the account owner 's permission. 

I paid the outstanding auto insurance bill in full as soon as I realized what was going on AND the late payment credit card fees that USAA added on to it. I would like USAA to refund the late fees and remove 'late payment ' reports from my credit report.
Product: Mortgage

I applied for a home mortgage refinance with New American Funding based on an email notification that indicated that my first year annual rate will be reduced by 1 %. All along I was led to believe that the loan will be amortized accordingly. New American Funding never provided an amortization schedule that shows how the loan will be amortized. Hence, it was implied that the amortization will be based on the lower rate during the first twelve months of the loan term. Upon receipt of the first mortgage statement, I discovered that the loan was amortized at a rate that is discounted less than the advertised 1 %. I believe that this company is misleading the public and should be required to disclose the 12 month amortization at the forefront of the loan process so that the consumer is made aware of the actual interest rate on the loan.
Product: Money transfer, virtual currency, or money service

Subject : Concerns Regarding Zelles Dispute Resolution Practices I am writing to formally express my concerns about Zelles handling of transaction disputes, particularly in light of the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit that has highlighted significant shortcomings with the platform.

As a regular user of Zelle, I have encountered discrepancies with transactions on multiple occasions. Despite reporting these issues, my financial institution and Zelle failed to conduct thorough investigations, stating that recovering funds or tracking transactions was not feasible. This response is not only unsatisfactory but also undermines confidence in the platforms ability to protect its users.

The findings from the CFPB reveal systemic issues, including Zelles inability to prevent repeat offenders from exploiting the platform, leaving consumers exposed to scams. This lack of accountability and transparency is deeply concerning and raises serious questions about the platforms commitment to consumer safety.

I strongly urge Zelle to take immediate action to enhance consumer protections, establish a more transparent and robust dispute resolution process, and implement safeguards to prevent fraud. Addressing these critical issues is essential to restoring trust and ensuring the safety of all users.

Thank you for your attention to this matter. I look forward to your response outlining the steps Zelle will take to address these concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX - XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXXXXXX XXXX XXXX Balance : {$1000.00}
Product: Checking or savings account

Huntington Bank allowed me to open a checking and a savings account, despite having a prior charge off. I deposited a check into my Huntington checking account on XX/XX/2022. Customer support told me it should be available by the following Tuesday. 

The next thing I know, my account is frozen, I am not allowed to use my funds or to access my account, and no one will tell me why. I contact the local branch manager who finally finds out it is because the check was not expected to clear but, it did. And, now, Huntington is in the process of closing my current accounts because I had prior charge offs ; they actually deducted the amount of those charge offs from my checking account. 

They will NOT tell me how long it will be before they will be mailing me a check for the funds in that account, nor will they allow the branch manger to disperse the funds to me, instead. 

I am so upset. I now have absolutely no money to live on, to pay rent or utilities this month. I cant take my guide dog to the vet, I cant go to the doctor myself, and I cant even go to job interviews because Huntington has left me without any access to money whatsoever and whats worse is that it seems to be indefinite. 

They wont tell me any kind of timeline for them returning the balance of my account ; I was yelled at on the phone by someone in their department handling this that Id just have to wait and see because no one there would be able to tell me. 

Is this legal, for them to hold my money in my account indefinitely without even giving me a projected timeline for returning it to me?
Product: Credit reporting 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 Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$13000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$120.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$690.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$480.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$920.00} XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$1000.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and request that the following accounts and inquiries be blocked and deleted from my credit report. As per 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request the deletion of any accounts or inquiries that have resulted from this breach. 
Below are the details of the accounts and inquiries that I am requesting to be blocked and deleted : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX