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

I have a lease from Hyundai Motor Finance. 

On XXXX XXXX, we moved from XXXX XXXX to XXXX. In order to be registered in XXXX Hyundai has to provide the title to the insurance company. I put in my title transfer request about 6 weeks ago and haven't had any updates. However, Hyundai has already increased my monthly bill because of the change of address/states. 

Over this period the website says " Your request is currently being reviewed. Please allow up to 5 business days. '' I've tried several times to call and email and haven't had any response. 

Ultimately, I need this title provided because eventually our insurance will drop me. 

I'm worried because I've seen many, many online reviews of similar experiences with this vendor.
Product: Debt collection

Got a call yesterday from American Medical Collection just an FYI the rep was a XXXX man and he had a very rude way of talking to me. Said that I owe XXXX and that I needed to pay this today and if I did n't make an attempt to pay this off that going forward there was n't anything he could do and that they would per sue with legal actions against me. I told him that I 'm on a fix income and that I could n't afford to pay anything at this time. And he said well I guess we 'll have to levy your bank account cause regardless XXXX XXXX we 're going to get the money that is owed one way or the other and then he hung up.
Product: Mortgage

Loan is due XXXX for full Pay out. 

XXXX we faxed all paperwork pertaining to refinance ( fax transmittal in hand ) XXXX Resent more paperwork " now needed to process loan '' ( fax transmittal in hand ) Need a GOOD contact number or email to follow up on a loan modification. 


XXXX Sat on hold today 55 min on XXXX cust rep said what is the passcode ( we never set one up ) He said sorry you must call XXXX when we call it says hold on ( tried several different prompts ) and eventually hangs up XXXX for " new '' loans with the hope someone there could get us to the correct department. 

1 ) Please contact us back about the re-finance/modification on our 2nd loan that you hold. Reply to this email if you MUST but preferably to the customer on file email at : XXXXXXXXXXXX or Call XXXX and speak to your customer. 

TERRIBLE service, I guess the XXXX reviews were correct? Prove me wrong! If we do not hear anything within 48 hours, we will be forced to go higher : Starting with the BBB in California where the loan is provided. The BBB in Florida because that 's where your company is located. Lets see there is Florida office of financial regulation, or Consumer finance protection bureau, Attorney General Washington DC??? YOU PICK or simply give me a number to call and get this resolved. 

XXXX XXXX
Product: Debt collection

My name is XXXX XXXX XXXX XXXX, a natural person, and I am personally submitting this complaint against Portfolio RC, a debt collector. This is not being submitted by any third party. Portfolio has violated the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws by failing to respond to my debt validation request and continuing to report the alleged account to credit bureaus, which is unlawful. On XX/XX/year>, I sent a written debt validation letter to Portfolio, requesting validation of the alleged debt as required under FDCPA Section 809 ( 15 U.S.C. 1692g ). My records show that Portfolio received the letter. However, they have not provided any response or validation of the alleged debt within the required timeframe. Despite failing to validate the debt, Portfolio has continued to report the alleged account to credit reporting agencies. This is a clear violation of FDCPA Section 807 ( 15 U.S.C. 1692e ), which prohibits false, deceptive, or misleading practices, including pursuing collection efforts without properly validating a disputed debt.
Product: Payday loan, title loan, personal loan, or advance loan

Over the past few months, I have encountered multiple instances where orders I placed through Klarna were not received, yet I was still charged for them. This is completely unacceptable and reflects poorly on the reliability of your service. 

Furthermore, I recently discovered that Klarna set up auto-payments on my card without my consent. Not only is this a blatant violation of my rights as a consumer, but it also demonstrates a lack of transparency and disregard for customer privacy. 

I demand immediate action to rectify these issues. I expect a full refund for all the undelivered orders and the removal of the unauthorized auto-pay setup from my card. Order Reference Numbers XXXX XXXX XXXX Failure to address these concerns promptly will result in further escalation of this matter. Consumer protection laws typically require companies to obtain explicit consent from consumers before charging their credit or debit cards. Applying auto-pay without consent may violate these laws, leading to potential legal consequences for the company. Consumers have the right to control their payment methods and should be informed and agree to any recurring charges. If a company applies auto-pay without consent, the consumer may have grounds for dispute or legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Experian advised that I opened a credit card with XXXX XXXX. I have not opened a credit card with XXXX XXXX. I, I have not activated a credit card XXXX XXXX, I do not have a credit card at XXXX XXXX. I have a credit card with XXXX and Do Not support XXXX XXXX, but Experian has now said that theyve verified the information with the company and that I do have a credit card at XXXX XXXX. I do not have a credit card, XXXX XXXX. Its some kind of fraud, but Experian is not willing to help me with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX # XXXX is reporting a new erroneous late in XX/XX/2019. I have never had a late in that month before and only on this most recent update to the credit bureaus has this late appeared. It is inaccurate and erroneous and it needs to be deleted.
Product: Credit card or prepaid card

For several months, I can not transfer my Membership Rewards point to airline partner. I've called customer service but still no resolution to this problem.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPD lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was Impossible and that tracking these funds was unfeasable. The CFPDs finding indicate that Zelle has not only neglected to protect its consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack is accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Checking or savings account

I have two IRA accounts with Citibank. One has $ XXXX. The other has $ XXXX. Citibank has charged me {$100.00} in fees a number of times over the years because of " low balance '' in the one account with $ XXXX. They refuse to take the combined balance into consideration and refuse to refund the multiple {$100.00} fees. 

In addtition to this, when I let them know that I would like to liquidate all of my Citibank accounts and rollover the funds to XXXX they informed me that it would cost {$95.00} to close the account. 

So many customer experience problems here. One - Citibank would seemingly rather me remove $ XXXX from their bank rather than refund me a few hundred dollars in feeds. Two - they want to charge me for closing my account. 

CFPB - please help! Thank you.
Product: Credit card or prepaid card

I set up an XXXX on XX/XX/XXXX in Georgia under the name of XXXX XXXX XXXX, XXXX. Owner about that date I set up a checking account and credit card account with JPMorgan Chase in XXXX XXXX. 
I had a personal account at XXXX Chase as well. I do not recall signing a personal guarantee, what would be the purpose and point of having an XXXX if you have to have a personal guarantee? 
I dissolved XXXX XXXX XXXX on XX/XX/XXXX at the XXXX XXXX XXXX XXXX. I closed my checking and credit card account on or hear that date. I had a balance on the card at that time. The balance on XX/XX/XXXX credit card of $ XXXX. The local branch ( Chase Bank located at XXXX Old Hwy XXXX, XXXX XXXX in XXXX Georgia XXXX. ) closed sometime in XXXX I believe. I contacted the XXXX to let them know I closed the account and dissolved the XXXX. They said I needed to pay or it would affect my personal account credit. I continued to pay and over the years fought at different levels, XXXX & XXXX. all to no avail. I asked for copies of what I trying to set up the accounts to prove there was a personal guarantee in it. They told me that those records were in the branch that closed and therefore they could not obtain them. I spoke with my attorney recently and he said that this was not true. 
I retired in XXXX of XXXX and simply can not continue to make the minimum payment. The current balance is {$6600.00} on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently got a copy of my credit report and noticed there are inaccurate and fraudulent accounts being furnished on my report. I am aware of the FCRA and understand that I have the right to dispute these accounts.
Product: Credit reporting or other personal consumer reports

XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  XXXX XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX credit bureau report, there is a " hard '' inquiry listed by SEARS/CNBA that is outdated. 

I have contacted both XXXX  and Sears/CNBA in writing to have this old inquiry deleted from my credit report, to no avail. 

The FCRA ( Fair Credit Reporting Act ), passed by Congress, dictates that any inquiries on a consumer 's credit report that are outdated, must be deleted from his/her credit report.
Product: Mortgage

I sold my house and received pre-approval letters from Bank of America ( BOA ), XXXX XXXX XXXX XXXX ( XXXX  ), and XXXX XXXX  ( XXXX ) to purchase a new house. My XXXX credit score ( depending on the credit bureau ) ranged from XXXX to XXXX. Except for the property I sold, the only other outstanding debt was on my car. I have never been late for any type of payments. The purchase of the new house was based on a {$300000.00} sale price, me putting {$50000.00} down, and a 30-year fixed rate conventional mortgage. When the inspection of the new house was completed and I wanted to move forward and finance the purchase, I asked all XXXX firms for final financing quotes to be able to lock the rate. The offers ranged from 4 % to 4.4 %. However, the closing costs/cash to close, based on a {$35000.00} downpayment ( the firms stated this amount, not me - since I could afford {$50000.00} ) were {$21000.00} ( XXXX ), {$27000.00} ( XXXX ), and {$47000.00} ( BOA ). Nobody I spoke to, even the realtor, could explain why the closing costs were so high. It meant I had to find at least {$56000.00} to purchase the property ( {$35000.00} downpayment plus {$21000.00} in closing costs ). Th  realtor says there may have been a change in the rules that she was not aware of. I had to cancel the purchase of the house.
Product: Credit card or prepaid card

My computer started flashing, it and said my computer was being hatched and I need to call the number XXXX. I called it and he said his name was XXXX and the complaint number is XXXX. He said that an international XXXX Company - charged {$15000.00} to my credit card ( AMEX ). He said he would connect me with thr FCC and they would connect me with the AMEX representative, his name was XXXX XXXX complaint number XXXX and his phone number was XXXX. He sated the only way to resolved this would be to do a duplicate order in the amount by purchasing gift cards and XXXX XXXX and XXXX 's. He said my phone was hacked as well and He needed to stay on the phone. The fear was so great that I did this, as if I froze and could not think clearly. I did purchase a {$2000.00} at XXXX XXXX and 3 cards totaling {$6000.00} at XXXX 's. At this point, something clicked and I finally understood was part of a fraudulent scam. I went to the police department in XXXX Ct - XXXX XXXX took my case and put a report together. When I called Amex to report this at the police department and explained the situation, they said the orders were pending, I asked them to stop the charges and they would not, they said I had to wait until the orders were processed. I have copies of the pending charges. I have been a loyal AMEX customer for over 25 years. They will not reverse the charges. I have put claims in with both XXXX XXXX and XXXX 's and working with my branch manager at XXXX  XXXX XXXX to help me with this. I did call victim services of Ct and had a call with the representative on XX/XX/2023. Hopefully you can help me resolve this issue with AMEX.
Product: Credit card

Pomelo XXXX XXXX, they reported my account late payment for 30 days, which i pay before due date and paid it all, and their online system is not showing up up to date correct amount, i call them to remove the 30 days late payment because i paid it before 30 days and was paid off.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I recently reviewed a copy of my credit report and noticed inquiries that i dont recognize and unauthorized.
Product: Mortgage

The loan was made without an escrow account and I wasnt made aware of the fact that my lender would force the escrow account on my loan. Could not get my home insured back in XXXX due to the age of my roof. I only borrowed XXXX of the equity in my home ( home worth is XXXX. The mortgage company charged me a couple of XXXX dollars for the three months that I was not able to get my home insured. This year when I received my insurance quote, I would not be able to afford the cost, so I searched for a better price and was told by the insurance company that I would have a 10 day grace period to get a new policy. I was without insurance for a total of 10 days and was told that I could pay the XXXX to cover the lapse in insurance. After I paid the insurance lapse, I was told that my payment would have to have an escrow account attached to my loan and that it would cost three times more than the policy I obtained and did not inform me that I had a right to choose my insurance company. When I asked Rocket Mortgage how they thought I could pay them this amount, I was told that it was only going to be going up and I explained to the lender that if it wasnt removed that I would loose my home. They were not willing to work with me on this and I explained that I didnt know that they could force me to have an escrow account as long as I had paid them for the 10 days of the lapse in coverage. In the meantime I was late on a payment due to having health issues and had to resign from my position as a XXXX XXXX and now on a fixed income. I authorized my account to be paid up to date, but it was supposed to be for two months at XXXX each. When I logged into my bank account the lender had taken XXXX, and the new payment of XXXX, which I had not approved. I even had the curtsy to call the lender to inform them of my situation and being late to pay the next payment and they still turned it in to try to reduce my credit score. The lender has threatened me with foreclosure, even though I had informed them that I had no intention of defaulting on the loan. I have been harassed by the lender and recently paid the XXXX payment and they have sent me a letter stating that I still owe the XXXX payment and that they may send an inspector out to make sure that my home is occupied and there would be a charge for this service. I have insurance on my home and I will be paying it off in the later part of XX/XX/XXXX, so I will no longer need to have the escrow account. Rocket Mortgage is a predatory lender and they were attempting to do nothing but take my home and profit from it. The fact that they have made absolutely no effort to assist me in this matter is beyond me. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via XXXX news. 
Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. I will have to spend valuable personal time securing my identity because Equifax did not secure my personal information. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Product: Credit reporting or other personal consumer reports

Equifax is reporting inaccurate and incomplete information on my credit report this must be deleted immediately This account has no company name. 

Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing mortgage document while buying house noticed something coming up on our credit report that was not our.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Consumer rights were violated by these credit reporting agencies. I sent them an official statement on XX/XX/2021 letting them know that these accounts were inaccurate and fraudulent, and they were supposed to remove the accounts within 4 days of receiving my letter but they did not. to this day XX/XX/2021, these inaccurate accounts are still illegally being reported to my credit report. I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts.also Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative. especially XXXX, do not use this stall tactic, and I ask the CFPB TO PUNISH any credit reporting agency who uses this stall tactic.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had one late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following date XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account XXXX/CARE CREDIT XXXX which has been deleted by XXXX XXXX XXXX. XXXX and XXXX have both completed their research and determined that XXXX/CARE CREDIT was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Debt collection

I XXXX XXXX entered a consumer credit transaction with Synchrony bank on XX/XX/XXXX and XXXX, XXXX XXXX. I never gave Synchrony bank permission to send me a bill, for several month they have sent bills to my home. In this bill were FDCPA and truth and lending violation in. Pursue to federal law 15 USC 1692b ( 2 ) not state that such consumer owes a debt. Pursue to 15 USC 1605 the finance charge is the sum of all charges and does not include charges if a type payable in a comparable in cash transaction, which Synchrony bank has billed and accepted cash in a consumer credit transaction. Pursue to 15 USC 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails, when which Synchrony logo was on the bill that was sent to my home. These violation have happened under two accounts under the Synchrony Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account from XXXX XXXX XXXX is continually being reported on my credit report. Under section 15 USC 1681b it is illegal for the company to report any of my personal information to any agency without permissible purpose. 
I have never had any agreement with XXXX XXXX XXXX and do not owe them any debt. 

I have brought this up up with the credit bureaus numerous times and it seems my disputes are being disregarded so I am coming to you for assistance in this matter. 

I am requesting that the bureaus be instructed to cease in posting information to my credit report obtained by illegal means.