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

I purchased a car   XXXX   XXXX   XXXX   on  XX/XX/XXXX  from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . Unbeknown to me a the time,  XXXX  transferred my car loan to  Suntrust  Bank. After quite a few problems with the car, I decided to trade in my car and purchase an  XXXX  ( more reliable car ) from   XXXX   XXXX   XXXX   XXXX   XXXX   in    XXXX   XXXX   , and offered my  XXXX  ( loan held wit h Suntrust )   as a trade in.  XXXX  contacted  Suntrust Ba nk twice to enquire payoff amount on the SLK ( on t he day I thoug ht of trading in the car and the actual day of the trade in ( which is weeks apart )  XXXX   was to ld by  Suntrust that the p ayoff amount was {$25000.00}.  XXXX  paid the amount requested fro m Sunt  rust Bank and Suntrust Bank filed a lien satisfa ction to  XXXX  for the  XXXX .  Suntrust Bank later co ntacted  XXXX  and outright lied stating that they did not say {$25000.00} they said {$35000.00}.  XXXX   XXXX   XXXX   XXXX , told  Suntrust Bank  that was NOT the amount they stated and advised Suntrust Bank to listen to their voice recording and not to tamper with the recording ... or else.  Suntrust Bank later g ot back to  XXXX  and told  XXXX  that they DID, indeed, said the payoff amount was {$25000.00} . Suntrust Bank  then contacted me for {$10000.00} which I knew I did not owe as I only had the SLK for under 24 months, not 72 months, and  XXXX  had already paid the payoff amount requested by  Suntrust Bank an d my obligation was satisfied. The only amount owed by me was to  XXXX  for the  XXXX .  Suntrust Bank th en filed a lawsuit against me for the {$10000.00} and after realizing they had a " losing case, '' as I had all the pro of. Suntrust Bank requested a v oluntary dismissal from my attorney. This dismissal took place on   XXXX   XXXX   XXXX  . However, since that time  Suntrust Bank has r efused to remove my name from the major credit reporting agencies which has damaged the excellent credit rating I had prior to  Suntr  ust Bank incompetence. Suntrust Bank also sent me a  Cancellation of Debt (  XXXX  ) for the {$10000.00}, and I paid the taxes to avoid any problems with the IRS.  Suntrust Bank is an inept, inco mpetent, repulsive bank with numerous amount of online customer complaints which proves just how unfit this bank really is.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft due to the Equifax data breach, and I've discovered unauthorized inquiries and misleading accounts linked to my profile. XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$800.00} XXXX XXXXXXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account Independent Dealers # 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 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 arti confidentiality under 15 USC 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Jection 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 ) ( a ) 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. Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have been receiving robo calls repeatedly at work from number ( XXXX ) XXXX. When I try to call back, no one answers. Today ( XX/XX/XXXX.18 ) I  received a call from the County Court House which I believe was a spoofed number because when I called back, they had no information on me. They are imitating a legitimate number ( XXXX ) XXXX. 

XXXX XXXX is the company that has been calling me. I reached them at ( XXXX ) XXXX, which is the number I was given by the courthouse. I also have an " Affidavit '' number of XXXX, which was given to me. I was hung up on. I tried calling numerous times afterwards trying to get information but they continue to hang up on me. I started recording the phone calls and made them aware. Once I did that, they changed their tune and told me that I have the wrong number. This is AFTER they threatened me and said " See you in court. '' They are not giving me any information, they continue to harass and threaten me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE BEEN REQUESTING THAT THE CREDIT BUREAUS VALIDATE THESE ACCOUNTS REPORTING TO MY CONSUMER REPORT AND ALL THEY DO IS SEND ME A RESPONSE SAYING THE ACCOUNTS WERE VERIFIED WITH NO PROOF. THIS HAS GOTTEN VERY ME VERY ANGRY AND UPSET BECAUSE I KNOW THEY ARE NOT FOLLOWING THE LAWS THAT I'VE BEEN READING AND VIOLATING MY RIGHTS AS A CONSUMER. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .... 
Validate/inaccurate reported late payments. instruction : Update to paid as agreed XXXX XXXX XXXX XXXX  : Account number : XXXX .... 
Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation Instruction : This account is in violation. delete this account off my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX XXXX XXXX XXXX XXXX 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX XXXX XXXX XXXX  .... 
Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation Instruction : This account is in violation. delete this account off my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation Instruction : This account is in violation. delete this account off my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX.. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX XXXX XXXX XXXX .... 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely XXXX : XXXX .... 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX XXXX XXXX XXXX XXXX.. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely
Product: Credit reporting or other personal consumer reports

Unauthorized usage of my account to XXXX  parties and more without my consent.
Product: Student loan

I am being told since the pandemic started the the federal loans I have with Navient dont qualify for the government authorized deferment. I thought all federal student loans fall in this criteria
Product: Mortgage

My mortgage provider, Freedom Mortage, has refused to cancel my PMI now that the LTV is below 78 %. They are demanding that I get an appraisal and that the percentage of automatic removal is based on the age of the loan. In accordance with the Homeowners Protection Act and Consumer Financial Protection Bureau, they are required to cancel my PMI at 78 % of original value at anytime it occurs. 

Per Freedom mortgage, the principal balance on the loan is {$230000.00} and original appraised value is {$300000.00} XXXX although it would be even higher than that now ). But even with these numbers, it is an LTV of 75.9 %. 

I originally requested removal of PMI in XX/XX/XXXX/XX/XX/XXXX. At that time, I was told that it would be automatically removed in XX/XX/XXXX. This did not happen. I called back in XX/XX/XXXX and in XX/XX/XXXX, and I was told they would start the process. Once again, nothing happened. 

On XX/XX/XXXX, I spoke with XXXX ( employee ID XXXX ). He said, and I quote, for some reason, the PMI removal process didnt start on its own when it was supposed to. He and his supervisor, XXXX, assured me that two things would happen : 1 ) PMI would be removed by XX/XX/XXXX ( 5 days from the phone call ) and 2 ) due to this being Freedom Mortgages error, wed be credited the amount that we overpaid our PMI ( IE the amount of PMI paid from the time the LTV hit 78 % to present ). XXXX said he wasnt sure if we would be reimbursed via a check or directly through our escrow, but he would have the cashiering department contact me about that. Once again, nothing happened. 

On XX/XX/XXXX, I received a letter stating : for loans aged between 2 and 5 years, the LTV has to be below 75 %. We have had a loan longer than 5 years on this home, but just not through Freedom Mortgage. Please note, it was NOT by our request that Freedom Mortgage took this loan over. They simply bought the loan from our previous provider, XXXX. We should NOT be penalized for something we had no control over, and quite frankly, didnt even want. We have never had a late payment, and weve specifically been paying extra toward our principal to get PMI removed more quickly. 

On XX/XX/XXXX, I called back again. I was told that PMI would be automatically removed in XX/XX/XXXX because that was the schedule, based on minimum payments, for it to fall off. When I inquired about the fact that Ive been paying extra principal for years in order to get it removed more quickly, I was very rudely told ( by XXXX, employee ID XXXX ), in so many words, that it is only 8 more months of PMI that I have to pay and to just XXXX it up. 

Based on LTV, weve been wrongly paying {$110.00} of PMI for the past 13 months, and according to Freedom Mortgage, will have to continue this for another 7 months. That is {$2300.00} ( $ XXXX ) of overpayment that I should be reimbursed for. 

Thank you
Product: Credit reporting or other personal consumer reports

LVNV FUNDING LLC/RESURGENT ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. 
15 usc 6801 Protection of Non- Public Information LVNV FUNDING has violated my rights and failed to protect my information by sharing my personal information with XXXX parties without my consent. 

15 usc 6802 Obligation with respect to disclose personal Information. There are XXXX disclosure forms that I have not received. 
XXXX. Financial Institution making me aware that they will disclose my information to a non-affiliated XXXX party XXXX. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a XXXX party XXXX. The financial institution giving me an explanation how to exercise the non-disclosure options 15 usc 6802 Disclosure of Institution Practice Policy LVNV FUNDING did not clearly and conspicuously provide the disclosure forms.
Product: Credit card

I have a XXXX Credit Card ending in XXXX which is issued by Continental Finance. The current balanceo n the card is XXXX. The annual fee is an outrageous {$120.00} and the APR ( before compounding ) is 30 %. They had the audacity to deny a charge from XXXX for no reason though it was only {$50.00}. I mailed a letter to them with the cardcutuop asking them to close the account due the above. They never replied. I called them and went round and round with their robot and when I finally got someone they refused to do anything. 

I want the account closed and no longer want to do business with these greedy loan sharks. I want an acknowledgement that ny wishes are honored as my balamce is XXXX.
Product: Checking or savings account

My husband passed away in XX/XX/2022 I went to Bank of America to close out his checking and savings and I was not allowed to do that as his wife. At that time I presented the will and the death certificate and they still refuse to close the account I want to close both accounts. These accounts have not gotten not one penny of interest at all. I do not wish to do business with this Bank I want to close my husband 's accounts. Not only has this created a financial hardship it has caused more stress and grief. I am already broken from the loss of my husband now Bank of America has compounded it. This bank has not only refused to cooperate they have been rude and condescending. They have not even made an attempt to resolve this issue. They have not even told me one thing as to why I am unable to close these accounts they have not given me any reasonable explanation why they are holding this money.
Product: Credit card

I have disputed this account several times with Capital One. I have informed them that this account was a result of identity theft. I sent Capital One a Fraud Affidavit and they still have not remove this account from my credit file. They are in violation of the FCRA by not removing this account from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$24000.00} on XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and needs to report a {$0.00} balance. I have attached a copy of the settlement letter dated XX/XX/2019 from XXXX. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX : {$73.00} ; XXXX OF XXXX XXXX XXXX : {$15000.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1800.00} ; XXXX CARD XXXX Balance : {$4500.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX BANK XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; CCFI XX/XX/XXXX ; XXXX BANK XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The student loan Account from XXXX Balance is reporting inaccurately and needs to be updated as paid with a XXXX balance. Under the Fair Credit Reporting Act, as outlined in 15 USC 1681, it's explicitly mandated that consumer reporting agencies like XXXX, Experian, and XXXX must handle their responsibilities with fairness, impartiality, and a profound respect for consumer privacy. As a consumer, I have an inherent right to safeguard my private information, backed by 15 USC 6801, which underscores the obligation of financial institutions to uphold customer privacy and protect their nonpublic personal information.
Product: Debt collection

I write to express my extreme dissatisfaction with the inaccurate and incomplete credit information that you are currently reporting under my name. It is distressing to discover such blatant errors in my credit profile, and it is evident that your operations lack reasonable procedures to ensure the maximum possible accuracy required by credit reporting laws. I demand an immediate and thorough investigation into the following information, as it is not only inaccurate but a serious violation of credit reporting standards. I insist on being provided with concrete proof of the alleged item, including the contract, note, or any other instrument bearing my signature. Failing to produce such evidence, I demand the swift deletion of the following misleading entry from my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}. This inaccurate and incomplete reporting is not only damaging to my financial standing but is a clear violation of the laws governing credit reporting. I expect nothing less than the immediate removal of this erroneous information from my credit report.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX and several creditors that obtained my credit report without authorization, and demanded to see any legit authorization from me. 

No one has provided any proof, not the creditors, not the credit reporting agency. 

XXXX, XXXX and XXXX should request to see proof that proper authorization was obtained to request credit reports. 

They admit that no documentation is required to obtain credit reports. This practice is fraudulent, illegal. 

This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Product: Money transfer, virtual currency, or money service

This is a resubmission of my initial complaint against Zelle, as their dismissive response requires no meaningful action from consumers. Your handling of legitimate consumer complaints exemplifies exactly why the CFPB is suing Zelle for violations of the Consumer Financial Protection Act ( CFPA ) and the Electronic Fund Transfer Act ( EFTA ). 

According to the CFPBs lawsuit filed on XX/XX/2024 ( XXXX XXXX. XXXX ), Zelle failed to implement adequate fraud prevention measures and failed to properly investigate consumer claims, leading to over {$870.00} XXXX in documented fraud losses. Your claim of insufficient facts directly mirrors the lawsuits allegations that Zelle systematically denies valid consumer complaints. 

Under EFTA ( 15 U.S.C. 1693f ), financial institutions are required to conduct a reasonable investigation when screening for potential errors. My complaint warrants a proper and thorough investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit account with this company since they claim they help consumers credit when on time payments are made. They do this by reporting to XXXX  credit bureaus. I opened an account with grain by paying a {$200.00} deposit and they matched that, so I have a {$400.00} credit limit. The account was opened in the middle of XX/XX/2021 and now it is XXXX and they still have not reported to any of the credit bureaus. I have emailed them twice and they guarantee a response in XX/XX/XXXX hours and its been a lot longer that and I still have not heard back anything. The only reason I opened an account with them so I can improve my credit but they are not reporting and its going on XX/XX/XXXX months.
Product: Bank account or service

This is the WORST bank everWhen I went to open a new checking account with PNC Bank, the bank being made very attractive advertising and they are very polite when you began to open a new bank account, giving a blank application documents and check ID after that just want you signature on blank application form without remind related cost or fee, that is the problem is the nightmare began, In generally different banks when using ATM card withdrawals will charge fee is currently the bank system business, but PNC bank charge a lot of fee with too high too expensive compared with other banks, if you go withdrawals cash with non PNC ATM machine the charge will be for example : cash out amount of $ XXXX {$27.00} ( fee {$7.00} ) if you just look balance before withdrawals will charge additional fee {$3.00}, so total will be charge {$10.00} for just XXXX cash withdrawals, plus Service Charge monthly fee {$10.00} and account maintenance charge {$12.00}, all these costs they are not given detail information when you open new account, I have been cheated feeling .... 
Extremely disappointed with PNC
Product: Debt collection

I am unaware of this debt I didn't have an opportunity to dispute this information if in fact if you believe you gave me proper notification then please send me the certified receipt with my name and signature.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation
E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I have had active XXXX for most of my adult life ... not sure why I would receive a bill when all did was go into ER for an hour XXXX # is XXXX