23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I accepted Suntrust bank overdraft protection after reading their disclosure statement and what I needed to know about overdrafts and overdraft protection. In their statement it says : " An overdraft occurs when you do not have enough money in your account to cover a transaction, but the bank pays it as a courtesy. Suntrust can cover your overdrafts in two different ways '' : 1. We have standard overdraft practices that come with your account 2. They offer overdraft protection plans. 
It continues : " You will incur a fee of up to {$36.00} each time an overdraft is paid. '' On XXXX/XXXX/2015 my available balance was XXXX and my balance was XXXX. Since XXXX was the last business day until XXXX/XXXX/2015 all transactions made by me with my debit card would show as pending. My total charges from XXXX/XXXX/2015 thru XXXX/XXXX/2015 totaled XXXX against a balance in my account of XXXX. On the morning of XXXX/XXXX/2015 I received an e-mail from Suntrust informing me I had an available balance of XXXX. So all charges showing pending throughout the Holiday week-end would be paid with funds showing in balance of XXXX. Therefore none of those charges should have been charged an overdraft fee. 
Then at XXXX on XXXX/XXXX/2015 I was left without options and if not paid the utilities were due to be cutoff first thing Tuesday morning XXXX/XXXX/2015, so I used my debit card online and paid the utility bill. Well rather than doing what I have been told by several Suntrust employees a pending transaction amount is deducted from available funds so to pay transaction when presented by merchant. That 's not was done. They treated all transactions that were pending as if they came after the XXXX utility charge thus overdrawing the acoount and charging XXXX overdraft charges. There was never an overdrawn acccount. All charges authorized by me before XXXX were done with the available funds. Furthermore based on Suntrust documentation there was never an item presented without sufficient funds. I had the original XXXX available and when the XXXX was presented for payment on XXXX my direct deposit had posited. 
I feel Suntrust is very deceptive in its business practices. They do not adhere to their own disclosures. As a consumer how can you do business when they control your money and once seized by them it is impossible to have returned
Product: Vehicle loan or lease

Good Afternoon Maam or Sir, I am writing in reference to an auto loan with XXXX XXXX XXXX 

I purchased a vehicle in XXXX and XXXX XXXXXXXX XXXX provided ( and continues to ) finance the auto loan. 

I purchased a XXXX XXXX XXXX XXXX with XXXX miles ( VIN XXXX ). I was told the APR for the auto loan was 12 %, however, after paying a total of {$17000.00} ( As of today ) I realized that the actual APR is 24.15 %. I remember being rushed to sign the contract. 

I provided a {$4000.00} down payment and financed {$17000.00} for 72 months at a 24.15 %. After requesting a copy of the contract, the finance charge is {$16000.00}. As such, the cost of the XXXX XXXX XXXX XXXX with XXXX miles would be {$37000.00}. 

I have paid over {$13000.00} and the current balance is still over {$14000.00}. 

I purchased the vehicle from XXXX XXXX XXXX XXXX, NY XXXX, and I am a resident of CT XXXX.
Product: Mortgage

XX/XX/2020 XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Loan number - XXXX Good morning, We're reaching out to you, unfortunately once again, in an effort to ask for your assistance with resolving our dealings with Bayview Loan Servicing. We have been actively and honestly engaged with them since XX/XX/XXXX and our situation has not progressed forward in the very least. 

This file is currently assigned to - XXXX XXXX XXXX XXXX and since the beginning of XXXX, we've tried to reach him 35 times, via phone, and 9 times directly via email. To date, he has returned a total of 4 of those calls. 

It's clear that, either XXXX is unfit for the position that he currently holds or Bayview is intentionally delaying this process. As you can see by the notes that we've taken, their stories have gone from - 'you didn't meet the 37 day prior to sale submission requirement ' to 'we 're going to review this as an Exception and review you for a Streamlined Modification ' to 'we need you to resubmit ALL documentation again ' ( Streamline Modifications require minimal documentation ) to the most recent request - 'we now need updated financial information. ' We're asking you to step in and demand an explanation as to why this has been going on for so long, as well as, we're also asking Bayview to re-evaluate Mr . XXXX ' abilitiy to perform the job that he's been tasked with. If this is happening with us, most assuredly, it's happening to dozens of other homeowners.

We would also like this file to be escalated at Bayview and reassigned to a more competent point of contact. If Bayview doesn't reevaluate Mr. XXXX and his ability to perform at the highest level, it would be a further indictment as to the quality of service that they're dedicated to providing Homeowners. 

I'm available to answer any questions for you at the following number. 

Thank you for your assistance with this! 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This company XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX is a allege company that clam they can remove negative information from XXXX that's related to one 's name and after its done then you compensate them for their service. They did not remove anything from XXXX that relates to my name and that was only one thing that I explane to them what I needed to be remove and they did nothing but keep trying to extort money from me after I told them nothing has been done and my arrest picture and charge which was dismiss anyway, but they still kept trying to attain {$2500.00} from me. I refuse to pay this and even shown this from XXXX that nothing had been remove they then reported this to Experian reporting agency as a collection and effected my credit. I then disputed this with Experian told them with a sworn affidavit that this collection is not my debt, nor do I owe this company and sent them a notice that they need to remove this fraud account or i will litigate which I have since filed a lawsuit on this company. I want Experian to be held accountable Aswell for not properly doing their job. Experian did not do their job nor investigate this matter, I had also ask them to remove a address on my credit report that's not mine but a attorney address and they refuse to remove that Aswell
Product: Debt collection

My family rented an apartment from XX/XX/XXXX through XX/XX/XXXX. The lease was a 6month lease. During that time I incurred expenses from having to fix/service/clean the HVAC unit after the apartment complex refused. Then about a month later the entire HVAC unit went out, and the apartment was without central heating and air for about two weeks. During that time the apartment became uninhabitable and we were forced to vacate on certain days. The refrigerator also went out, which was the apartments responsibility and we lost a months worth of groceries. My family was forced to break the lease and go find a habitable residence. To make matters worse on top of having to deal with all these maintenance issues, my wife is a XXXX and her meds have to keep cool and the shear heat of the apartment can and did effect her XXXX, which was one of the main reasons we were forced to leave on the extremely hot days. 

I mentioned the above problems and asked for reimbursement on multiple occasions but to no avail. I filed complaints through the apartment complex, their corporate office, the XXXX, XXXX, XXXX, and XXXX. All of which were unable to resolve this issue. I later found out the XXXX could n't do anything because in fact the complex is n't an accredited business. I am now currently fighting this issue with the credit bureaus because the bill was sent to collection and it 's on our credit. The one time I spoke to the collection agency I was told they did n't want to hear my story and I owed the debt, and that if I did n't pay I 'd be reported.
Product: Checking or savings account

The overdraft fees were {$35.00} each time and I didn't approve of fees being taken out
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is being reported with an inaccurate information. 

This letter is in response to my letter mailed and dated ( XX/XX/XXXX & XX/XX/XXXX ) to XXXX, TransUnion & XXXX. In my letter that was dated XX/XX/XXXX, I disputed names associated to my report. My legal and correct name is XXXX XXXX XXXX. I provided copy of my social security card, driver 's license and copy of a utility bill. 

I requested that all these names are deleted to any consumer credit reporting agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an accounts for XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. 
This has cause me great anxiety, stress, and financial hardship.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax and XXXX XXXX XXXX XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this inquiry reported only in my Equifax and XXXX credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/2023, my wife made two ACH transfers ( $ XXXX and {$22000.00} ) from Marcus by Goldman Sachs to XXXX XXXX. I'm the secondary joint owner of Marcus saving account and the sole owner of XXXX checking account. XXXX suspects it's a fraud so that they closed the XXXX account forcefully. In order to get the money back, XXXX requires Marcus to send an Indemnification Agreement ( Hold Harmless Agreement XXXX XXXX XXXX ). However, Marcus said they don't have this process and can't do it. 

Now I'm in this deadlock and can't get my money back. I appreciate if you can help us negotiate with XXXX and Marcus and find a way out.
Product: Credit reporting or other personal consumer reports

his inquiry was made not with my knowledge. I have filed a FTC Identity Theft report so both inquiries need to be removed from the XXXX credit agencies under the 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( A ). the information was blocked in error or a block was requested If the inquiries arent removed. I will take legal action as I have my identity theft report from the FTC as well. Thanks I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply.
Product: Credit card or prepaid card

Capital One Bank has failed to comply with The Equal Credit Opportunity Act ( 15 U.S.C.1691 ) by denying to increase credit limit due to social security income ( SSDI ) ( SNAP ) ( SSI ) and previous complaints file with the consumer protection bureau. 

Capital One Bank has allowed a fraudulent transaction made by XXXX to proceed after multiple transactions was declined due to the credit limit and because he exercise his rights under the Equal Credit Opportunity Act 15 USC SECTION 1691, Fair Credit Reporting Act and the Fair Credit Billing Act. ( Consumer protection law ) The cfpb amended regulations B to reflect the Dodd Frank Act. Each complaint that was filed with the cfpb was in good faith never the last Capital One Bank has allowed a fraudulent transaction to process over the credit limit after declining multiple transactions with a 30 days period from XXXX. 15 USC Section 1691 ( a ) ( 3 ) The consumer didn't authorize XXXX  to proceed with the transaction after Capital One Bank declined the transaction on multiple occasions in the month of XX/XX/XXXX. Please see the attached email from Capital One regarding the credit limit. 

The consumer has filed a lawsuit against XXXX and will be doing the same thing with the credit Capital One Bank. 

Capital One Bank has declined to increase the credit card limit due to the income verification from social security. ( 12 CFR section 1002.6 ( b ) ( 2 ) and 12 CFR Section 1002.7
Product: Credit card or prepaid card

Hi, Capital One has dropped our dispute for leather goods returned to seller in XXXX, XXXX. We're charged for {$1100.00} for leather goods we returned to seller, because jackets were poorly made and falling apart. The seller wanted to fix/replace products but at this point in time we lost faith in the quality of the product. The seller started yelling and threatening us with claiming we damaged goods. 

XX/XX/XXXX - Purchased jackets/belts XX/XX/XXXX - After my Wife put on a jacket and noticed it was falling apart and seams were improperly done, we returned ALL items. Seller threw a fit, claiming we may have damaged the jackets. At this point we refused a replacement. I called Capital One and was told to leave all goods on counter. A dispute would be opened and there would be no problem ... I would not be out of {$1100.00}. 
XX/XX/XXXX - Followed up with Capital One with supporting documents. They told me not to worry about anything. 
XX/XX/XXXX - Capital One rebilled us for {$1100.00}. I explained I was told there would be no issue ... and to leave all goods with seller. Capital One was to research the conversations that took place on XXXX, listen to the recordings of my many calls to them. I called them several times during this incident from XXXX. 
XXXX - I was told NO calls could be found ... this is crazy. I find it untruthful. The principle of faulty merchandise on top of the fact a Capital One dispute associate told me there would not be an issue with leaving goods with seller and now I owe {$1100.00}? Unacceptable. On XXXX I was told I owe the full amount. 

We should not owe a thing, obviously. I'm canceling the Capital One credit card and will not do any biz with them. 

Please see what can be done in this situation. This shouldn't happen to us, or anybody else for that matter. The leather bully in XXXX should not be able to do this to people. Capital One should back their customers. Capital One has not stuck up for us. As for the XXXX XXXX XXXX XXXX, they're crooks hiding behind the fact they're in XXXX. I should have recorded the whole event and phone call placed to Capital One. 

Thanks for your help. Please see supporting PDF document
Product: Credit reporting or other personal consumer reports

duty pursuant to the FCRA, it is EXPERIANs to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting 2 inaccurate late payments one for XXXX account ending in XXXX and one for XXXX XXXX account ending in XXXX. These include a 30-day late payment posted on XX/XX/year> ( XXXX XXXX XXXXXXXX XXXX ) and a 30-day late payment posted in XX/XX/year> ( XXXX XXXX ). These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination
Product: Payday loan, title loan, or personal loan

We signed up for a no cost loan with XXXX interest in the first 12 months. We signed up for automatic payments at an accelerated pace that would pay off the loan WELL ahead of the end of the promotional period. About 6 months later we made the final payment, and the automatic payment system charged us over {$100.00} dollars in excess of our loan amount, as if we had been accumulating interest all the time. 

I called and Greensky said they would process a refund, and that I would get my money back in 14 business days. So just in time for XXXX they get an interest-free loan from me for almost a month. 

They claim that they would have EVENTUALLY refunded my money even if I did not call to demand one, but I have my doubts. I think the way this company does business is extremely questionable. I have doubts as to the legality of holding my funds hostage this way, and I suspect they are hoping that less vigilant customers do not notice that they have been overcharged and never demand their money back.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states : There is a need to ensure the consumer reporting agencies exercise their grave responsibilities with fairness. impartiality, and " respect for the consumers rights to privacy '' Experian and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801which states " It is the policy of the Congress that each financial institution has a confirming obligation to respect the privacy of its consumers and to protect the security and confidentiality of this customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to who it relates " ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies XXXX, Experian and XXXX do not have my consent to furnish this information and the surely do not have my written consent. Any and all who consent to XXXX, Experian and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, nonverbal, written, implied or otherwise is revoked.15 USC 6802 ( b ) ( c ) states that " Financial institution may not disclose no public personal information to a nonaffiliated third party unless-the consumer is given an explanation of how the consumer can exercise that non-disclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' except as authorized under subsection ( b ), no consumer reporting agency may take any consumer report containing any of the following items of information, other than records. of convictions of crimes which antedates the report by more than seven years. " This account is an adverse item they are reporting again without my permission which is against the law, 15 U.S, Code 1681s-2 ( A ) ( 1 ) A states '' 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.15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services This is my second complaint however I was told to contact another complaint regarding this matter
Product: Credit card

Subject- Capital One Product- Quicksilver Secured Rewards Credit Card ( security deposit used as collateral ) Agreement upon request to the product includes terms where explained how Interest Charge calculated.

In the monthly Statements to the product provided Interest Charge formula which different. The difference is margin was added. In the terms written that Statements are part of the Agreement. Please see attached pictures. I requested to disclose this specific term margin by the phone, but representative didnt answer. I wrote a letter to the main office and case was created, but doesnt include this matter. Today called again to the phone number written in the reply to my letter, but no luck. Requesting to disclose term margin. Interest Charge formula = prime rate + margin. Prime rate is floating and its the same as Interest Charge, does it mean that margin is XXXX?
Product: Checking or savings account

I opened a floating rate CD with TIAA bank. It was a 36 month CD maturing on XX/XX/XXXX. Floating rate was supposed to move with the XXXX index. No interest has been credited to the account since XX/XX/XXXX. I called TIAA bank and they told me these accounts were closed by the bank in XXXX and as a result would not receive any interest. I was never contacted ( can not find any record of the communication on the TIAA web portal after logging on and searching ). Had I learned this I surely would have asked for them to send me my money so I could deposit it elsewhere and earn interests. Despite their decision to terminate the account sometime in XXXX they continued to pay me interest in XXXX ( IRS XXXX showing this available ) and up until XX/XX/XXXX. As interest rates have risen and this was to be a floating rate CD using the XXXX index I think much money is owed me. The bank had use of my money and must have earned a return using it. I am hopeful I can just get the agreed upon rate to be in effect from when I opened the account
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  are reporting incorrectly a collection/chargeoff, as well as ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and therefore there is no payment to be late on and no balance to collect/chargeoff. This false reporting of lates and a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.