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

I XXXX XXXXXXXX purchase a XXXX XXXX XXXX  from the AutoNation a XXXX dealership XX/XX/XXXX. XXXX XXXX i was having issues with the vehicle and called autonation and someone advise to take it to XXXX. I took it in for testing. After a few months past the vehicle was Shaking while driving and later on around XXXX or XXXX the vehicle started Smoking! We then took it to XXXX XXXX XXXX in early XXXX. They diagnosis the vehicle and said the XXXX is sludge and needs to be replaced. Advisor XXXX XXXX advise that even though he has warranty they will not cover it due to " Lack or Maintenance '' I then contact XXXX Consumer affairs and they investigate the issue. They pulled up the vehicle history and said XXXX of XXXX the vehicle lack service of 2000 miles and again at 20000 miles. This was before purchasing from autonation. XXXX said they should have never sold that vehicle with and Engine problem. I contact autonation corporate y email and got no response after emailing. I then file a XXXX complaint against the dealership and thats when manager XXXX XXXX contacted me and told me to bring the vehicle in for testing. They also found sludge in the engine. Since XXXX they been researching and the vehicle is still there. My husband has been renting cars totaling {$1300.00} for a full month and now he still does not have any transportation after turning in the rental he also paid the car payment in XXXX XXXX XXXX  AutoNation Finance for this car that has and still sitting at autonation with no resolution. My wife spoke to XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX after submitting the oil maintenance receipts of me doing since I got this vehicle back in XX/XX/XXXX. XXXX advised someone will contact us no later than the next day! No response or called! I am still without a vehicle. I need resolution!
Product: Mortgage

I originally applied for a refinance XXXX XXXX for a conventional fixed rate 30-year loan, and I was able to lock in the rate at 2.5 %. I agreed to the loan estimate closing cost amount of {$4500.00} which included {$3400.00} in loan costs plus {$2200.00} in other costs minus {$1200.00} in lender credits. After waiting for months, I received a revised closing disclosure stating that my closing cost had increased to over {$10000.00}. My loan officer XXXX XXXX XXXX XXXX XXXX XXXX never notified me of the increase in closing costs or the reason why. I contacted my loan officer, XXXX, myself to get an explanation and he said that it was because of a mistake that he made and that in order to get me the 2.5 % interest rate, he had signed me up for a Home Ready Loan based on the location of my home but he was not aware that Key Bank no longer offered the Home Ready Loan based on location and it was now based on income and that I made to much to qualify for the program. But on Key Bank 's website regarding Home Ready mortgages as of XX/XX/2021 it states the purchaser qualification is based on income or location and regarding location it states no income limitation on low income census tracts and limited to 80 % of area median income in all other census tracts. The loan officer, XXXX, never mentioned to me that he was going to put me in the Home Ready program in order to give me the interest rate and closing costs for the original loan estimate. When I originally emailed XXXX about refinancing, I specified that I wanted to know the rate I qualified for without paying any Points and he said I qualified for 2.5 %. I had asked XXXX to change the closing costs back to the original loan estimated costs of {$4500.00} that I had agreed to and he stated that in order to do so that I would need to open a checking and savings account with Key Bank and then he would be able to ask his boss and upper management to honor the original pricing. So I opened a checking and savings account with Key Bank per Kevins guidance. I then received an email from XXXX stating that the price exception had finally been approved. I never received a final closing disclosure with the new costs. I was made aware of these costs at the signing of the escrow. The new closing costs Key Bank is asking of me is {$8400.00} which includes {$5900.00} in loan costs plus {$2500.00} in other costs and 0 lender credits. Key Bank is requiring 1 % of my loan amount ( points ) of {$2600.00} and that is something I never agreed to. When I called XXXX about the new costs, he was not aware of them. He thought that the pricing department would give me the original loan estimated closing costs of {$4500.00}. He also stated that even though this is his mistake, Key Bank pricing department has reduced the closing costs to {$8400.00} to meet me halfway and that he doesnt think they will reduce it any further and that I should accept these costs if I wanted to move forward with the refinance. I explained to him that this isnt my mistake and Key Bank should honor the original pricing agreement.
Product: Student loan

I am writing to formally request the immediate discharge of my federal student loans due to a serious violation of the Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g, 34 CFR Part 99 ) and related federal privacy laws by XXXX ( XXXX XXXX XXXX XXXXXXXX. ) XXXX was allowed to access this data, along with many other classified information, after the creation of the commission by President Trump last month. My personal and financial information, as well as that of my family, was compromised without my authorization, which is a clear violation of FERPA and your institutions responsibility to protect the confidentiality of my records. 

As you are aware, FERPA safeguards the privacy of student records, including personal and financial information. The breach of my data is not only a direct violation of FERPA but also renders any agreements related to my student loans null and void, as it compromises the very contract under which my loans were issued. The unauthorized release of my personal and financial details has caused significant harm, and I believe this breach warrants at minimum, the full discharge of my student loan debt. 

Not only was my own information released without my consent, but also my familys financial information, which was provided during the loan application process. 

Given the severity of this situation, I respectfully request that you immediately cancel and discharge my student loan debt in full. I trust you will address this matter with the urgency it requires and look forward to your prompt response.
Product: Debt collection

I fully paid off this account months ago and sent in the equipment. I have proof of package dropoff at XXXX. XXXX said they would cancel the collections but have not. They continue to call me constantly, yet every time I try to get in touch with someone who can fix the situation, I get sent in circles until I get told someone will fix it, but then it's never fixed.
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 XXXX XXXX XXXX. Account XXXX XXXX.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX through the XXXX. I have been trying to contact Albert about issues when it comes to purchasing and or transferring available savings and XXXX XXXX customer service techs is not efficient and they do not help they tell you one thing and its another. Its been an ongoing issue for the past couple days and is very upsetting. I have been dealing with this for three days. I'm getting charge for a service that's not even helping nor can't help at this point. Especially after I referred almost 48 people. I will definitely tell them not to use the service. At least the other cash advance apps are more helpful and efficient than you all. I am very disappointed.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

I received an offer from Fifth Third Bank to open a checking account, make a deposit of {$1000.00}, maintain a {$1000.00} balance for 60 days and in a reward bonus, I 'd receive {$200.00}. 

I opened the checking account at the XXXX XXXX XXXX in XXXX, OH on XXXX XXXX, XXXX with a deposit of {$1500.00}. That met the first criteria of meeting the {$1000.00} deposit threshold. 

I have maintained the {$1500.00} average balance from opening date of account ( XXXX XXXX, XXXX ) until today ( XXXX XXXX, XXXX ). This meets the final criteria of maintaining a {$1000.00} balance for 60 days ... .as I 've maintained {$1500.00} for 103 days. 

I opened the account with XXXX XXXX, Vice President, Financial Center XXXX XXXX and she assured me at account opening that she 'd handle my bonus. 

I stopped into the XXXX XXXX XXXX on XXXX XXXX, XXXX to inquire about my bonus and spoke with XXXX XXXX, Personal Banker II and he agreed that I met all requirements and that my bonus should hit within the next week. 

Seeing no bonus, I stopped again into the XXXX XXXX XXXX on XXXX XXXX, XXXX and again spoke with XXXX XXXX. He remembered me, mentioned that only XXXX could actually do the bonus and that she 'd been away on vacation, but he made a note in the system for XXXX to follow-up on XXXX XXXX, XXXX ... her first day back into the office. 

On XXXX XXXX, XXXX, XXXX XXXX sent me an email saying that he spoke with XXXX and that she 'd be reaching out to me soon. 

Fifth Third Bank owes me my {$200.00} reward.
Product: Student loan

Nelnet and the XXXX XXXX XXXX XXXX XXXX  are the worst organizations to deal with regarding student loans. They lie about dates, have held my refund longer than 14 days. Nelnet is refusing to release it and just holding it in a pending status then say it will go to a processing status even though they already have my bank information. When you ask them a question, they don't care or have any urgency to figure anything out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, to whom it may concern, I am writing you today because I sent out dispute letters to Equifax on XX/XX/21 and it's been now almost 60 days and they have NOT responded to me at all regarding the inaccuracies that's being reported on my credit report. They are not taking me or my situation serious and this is causing me stress and built up anxiety because it's hurting me from getting a new home. I'm being seen as risky when I'm not and it's not fair that due to their mistakes I'm being labeled as risky when I'm actually not. I tried calling and emailing them still no reply.
Product: Student loan

Sallie mae is corrupt. 
I have tried to talk to them about a reasonable repayment plan on several occasions since XX/XX/2022. They in no way want to work to support me. Instead they have me repaying at a variable rate so I dont actual know how much XXXX  pay each month. XXXX addition, I recently got divorced and am on XXXX income. They have no income-driven repayment option which is also ludicrous. 
I can not pay the amount they want, nor can I pay an amount that is not fixed ( XXXX month its {$590.00}, then the next month is {$780.00} ). I am a teacher and make less than {$60000.00} a year. There are all these federal programs for student loan forgiveness for XXXX, and nothing for private loans. This seems really unreasonable and unfair. People want teachers but have little to support situations like this. Why can Sallie Mae continue to XXXX people in like this and then when its time to repay be XXXX  to the client?
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Between XX/XX/year> and XX/XX/year> chime bank alllowed 134 transaction on XXXX  using a virtual card number. The total was $ XXXX dollars they also alllowed multiple log in a from all over the country into my account and failed to stop them. I never recieved a text and the emails were mailed to my junk folder. I feel as though chime makes their emails loook spammmy just for that reason so it doesnt notify when recieved. Now Im sitting here penniless while chime drags thier feet on investigating these fraudulent charges while trying to blame me. I would think if 12 transactions came through to the same place in esss than. 30 min they would notice and put a stop to it. They just let whomever take or spend whatever they want. I even showed my transaction list from. XXXX  using my emaul address that showed zero transactions since opening a year ago. Should be a red flag when theres 11 logins from alllover the country with In days
Product: Credit reporting, credit repair services, or other personal consumer reports

Title : Affidavit of truth 2. Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : 3. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 4. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with affiliates will ensure my privacy rights won't be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expending the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, XXXX XXXX, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Navient is in violation of 15 USC 1692e ( 11 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit B that Navient is in violation of 15 USC 1692b ( 5 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit C that Navient is in violation of 15 USC 1692h
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 name : XXXX XXXX XXXX XXXX # : XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # : XXXX, # XXXX, # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX # : XXXX Account name : XXXX XXXX # : XXXX Account name : XXXX XXXX XXXX # : XXXX, Account name : XXXX XXXX XXXX # : XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # : XXXX, Account name : US DEPT # XXXX, XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX  # : XXXX, Account name : DPT ED/ XXXX # XXXX Account XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX / XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX, Account name : XXXX, Account name XXXX XXXX XXXX, Account name : XXXX XXXX, Account name XXXX XXXX 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 card or prepaid card

On XX/XX/2023, I made a purchase for an airline ticket. I then saw a charge to my card in the amount of {$240.00} that I did not authorize as that was not the cost of the ticket. I immediately reached out via chat as that is the only option. I was advised that it would be escalated for a refund as the agent could not tell what the charge was from. I waited XXXX weeks and then contacted the credit card company to ask them if there had been any credits and they advised me that there had not been any. I chatted again with Frontier and they left me waiting for an agent and had no response. I reached out via XXXX and never got a reply. Today on XX/XX/2023, I received a notice in the mail from XXXX XXXX that they concluded their investigation and have received enough information and I was responsible for the charges. They sent over XXXX pages showing the flight itinerary, however, there is no breakdown of anything as that was not the flight cost. There are no flights that cost that much for that destination. I can not afford to pay for something that I do not have and did not do. I need help resolving this as no one seems willing to help me. Frontier practices are unfair. They are nonresponsive and should not be allowed to overcharge for things or take money from people without permission.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On the morning of XX/XX/XXXX I logged on to our online banking and saw that the balance of XXXX of the account had been withdrawn from the account. The transaction showed as follows : XX/XX/XXXX WITHDRAWAL XXXX XXXX XXXX XXXX XXXX XXXX I contacted XXXX XXXX, our XXXX, to check whether he had withdrawn or transferred any funds from the account. He had not. We checked with XXXX XXXX, the other XXXX and she confirmed she had not. 

I tried to call our XXXX XXXX, XXXX XXXX XXXX times at XXXX ( last call ) and the number was unreachable. I emailed all the contacts I had at First Republic included XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX requesting assistance. All emails returned undelivered except for XXXX XXXX. 

I called the online support number for First Republic at XXXX am and spoke to a consultant who confirmed my identity and tried to contact our XXXX XXXX. We spent XXXX minutes on the call and he was unable to contact anyone. He also noted that the account had been closed by an authorized party so he could not pursue the issue without a banker. He suggested I go into a branch to speak to a banker and that he would get them to contact me. He was able to tell me that our newly assigned banker was XXXX XXXX and that the assigned branch was XXXX XXXX XXXX. 

At XXXX I emailed XXXX XXXX explaining the issue in the hopes of expediting the resolution. 

At XXXX I called the XXXX XXXX XXXX branch and spoke to XXXX XXXX who confirmed that XXXX XXXX was assigned to our account and that she would get him to contact us. 

At XXXX I received an email response from XXXX XXXX confirming that he forwarded my note to the compromised account team. 

Filed complaint with XXXX on XXXX.
Product: Mortgage

I have been trying to get info on the PMI Ins on my loan with Dovenmuehle Morgage co, in XXXX XXXX, IL, Acct # XXXX, and they are either unwilling or unable to help. I have been paying 6 yrs on this loan, 5 of them with this company. I want to know what my loan balance needs to be to have it taken off and no one seems to know or know who in their company can tell me. This company has very poor customer service and are seldom, if ever, of much help. Seems to me that they make money off our loans, so should be there to help us when we need it. Who can I turn to, other than Dovenmuehle, for help about this matter? What other organizations oversee the Mortgage Industry? Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( property address : XXXX XXXX XXXX XXXX XXXX, TX XXXX ) XXXX
Product: Checking or savings account

On XX/XX/2021, we see a transaction on our Bank of America online banking for {$2300.00} using our debit card details. The vendor is XXXX. 

We reported the issue to Bank of America on XX/XX/XXXX. However, on XX/XX/XXXX, the bank replied back saying they couldn't pay us because they don't see any fraud. 

We know for sure that we have never done a transaction with XXXX
Product: Debt collection

Cavalry debt collectors filed a lawsuit against me and on XX/XX/XXXX levied my entire bank account without notifying me of any of this. This is from a debt that is over 7 years old I believe, and that I had believed to have been settled years ago. I had no idea this debt was still active and no idea any lawsuit had been filed. The docket number I found out after I called because my bank account was levied is XXXX.