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

I am unable to reach Suntrust/Truist customer service to talk about my auto loan which I tried to defer payment for. I followed their instructions and faxed over the deferment document, but they failed to do what they said they would do. When I tried to call them on multiple occasions I got recordings from them stating wait times to speak with a rep are over 60+ minutes. The one time I was able to wait on hold for over an hour, they disconnected my call as soon as they picked up my call. 

I am getting no where and need help. These wait times are UNACCEPTABLE. Banks shouldn't be allowed to do customers this way. I didn't chose them for my auto loan, the car dealership did. I feel stuck and getting no help is causing a lot of grief. I took a look at what others are saying on social media, and I am not the only one who is hitting the same brick walls. If a bank can't handle their customer service lines and leave no way to get a call back, they shouldn't be in business. This is wrong.
Product: Mortgage

I purchased a home in XXXX XXXX in XXXX XXXX. In XXXX I asked that my mortgage company escrow my real estate taxes. My monthly payment was {$3300.00}. At the end of XXXX XXXX, I received a call saying my mortgage account was past due. I have my bank automatically pay the amount due every month. Apparently the escrow amount went up and caused my monthly payment to increase. I asked what the issue was and I was told that taxes had increased. I knew this to be untrue. Then they told me that before taxes were only paid once a year and now they taxed me twice a year. This was also untrue because LA always charged taxes twice per year. After 45 minutes on the phone, I learned that the escrow calculation was grossly inaccurate and now I 'm paying double for the next year - almost {$1000.00} more per month. This company 's procedures are inadequate, cause economic hardship to consumers, and the company 's customer support and inadequately trained and deceptive to consumers.
Product: Vehicle loan or lease

I contact my loan company Friendly Finance on XX/XX/2018 via email at XXXX inform them that I will be mailing XXXX payment. I was sent a very detail message on XX/XX/XXXX that was left by Mrs. XXXX on my father voicemail in regards to my delinquent account. She left a very threatening message that disclosure details of my delinquency which is consider a 3rd party violation. This action was taken although I made an attempt prior to contact them via email. No effort was made by Friendly Finance to contact me via the mode of communication that I initiate. Instead they made an attempt to not only violate my right to privacy but embrassed me by disclosing my finance information via voicemail to a 3rd party.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I purchased XXXX LTC from Coinbase (worth $XXXX USD at that time). My savings account did not fulfill the purchase, even though I explicitly authorized it, but the LTC was delivered to my wallet by Coinbase.Since XX/XX/XXXX, Coinbase has notified me of an "Issue with Recent Buys" that requires me to reimburse them for the $XXXX USD that never cleared. I am willing to do this, and repeatedly have tried, but either nothing happens (when I attempt to pay via bank account or credit card) or receive an error message that reads "There was an error processing the payment, please choose another method"  (when I attempt to reimburse the $XXXX via LTC).This means that, since XX/XX/XXXX, my money and digital currency has been locked in the account. I cannot trade, withdraw, deposit or otherwise transact with the platform. I have called customer support 5 times and spent over 6 hours on hold, as well as submitted an email ticket, each to no avail. I need this resolved *immediately* due to the volatility of cryptocurrencies.
Product: Bank account or service

I deposited a Check from my XXXX XXXX Account to my Bank of America Account. 
I deposited using a check because it was after hours on XXXX XXXX, 2016. 
On my receipt the deposit receipt says that the check has been placed on a 10 day hold because " XXXX XXXX is reporting that there is a high likelihood '' that this check will not be honored. 

1 ) When I wrote the check the funds were available on deposit at XXXX XXXX Bank. 
2 ) XXXX XXXX Bank is communicating to third parties that my checks are high risk according to recorded conversation by Bank of America! 
3 ) Bank of America is placing holds on checks for extended periods ( 10 Day ) and then not taking that hold off once the checks are cleared by the bank in which the check was written against. 
4 ) This is denying me access to my funds. 
5 ) In this case, I know for sure that this check cleared on XXXX XXXX from XXXX XXXX Bank. 
6 ) On XXXX XXXX, 2016, Bank of America restated that " XXXX XXXX Bank '' was advising Bank of America Bank that the check was to be considered high risk, even though the check had cleared XXXX XXXX on XXXX XXXX, 2016! 
This is false information and I have discussed this with XXXX XXXX and nobody knows how to fix it! 

I want XXXX XXXX Bank to STOP reporting false information!
Product: Checking or savings account

Each month for the past 2-3 months, this financial institution Citibank, has falsely claimed that checks and other debit purchases don't have enough money in my account to be paid. They have arbitrarily just chosen checks and debits to refuse to pay, and set them back into the unpaid check column of " credits '' back into my account. With the merchant or creditor being unpaid. This being done, even when there is money available in the checking account to pay the creditor. After doing this, they quickly charge me an NSF, so they can obtain more unjustified money from me. When I challenge them on this, and complain to them, they act like they don't know anything about what is going on, an just continue to do this same thing to my account severely for the last 3 months. I need a consumer agency to take a look at this mistreatment and abuse, and have them put a stop to it. It is terror for me if I don't even know if a check or debit that I submit is going to go through my checking account even if I have money there or not.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and formally dispute the failure to reinvestigate the improper removal of my credit card account with XXXX XXXX ( Account Number : XXXX ). Despite my previous request for a thorough review of this matter, no meaningful action has been taken to address this issue or correct the error. 

This account was closed based on an alleged fraud concern, which I have repeatedly clarified is unfounded. I have provided all necessary documentation and information to demonstrate that I legitimately opened this account and that no fraudulent activity occurred. However, the failure to reinvestigate this matter and ensure a proper resolution has caused undue harm to my credit profile and financial standing. 

I remind you that under the Fair Credit Reporting Act ( FCRA ), financial institutions and the CFPB have a duty to investigate disputes promptly and accurately. The continued inaction on this matter constitutes a violation of my rights as a consumer, and I demand immediate corrective action. 

For your reference, my identifying information is as follows : Full Name : XXXX XXXX XXXX of Birth : XX/XX/year>XXXX  Social Security Number : XXXX Address : XXXX XXXX XXXX, XXXX , SC XXXX I expect the CFPB to immediately initiate a comprehensive reinvestigation into this matter and compel XXXX  XXXX to rectify their error. I further request a written explanation detailing the steps taken to resolve this dispute and the outcome of your investigation. 

Should this issue remain unresolved, I am prepared to escalate my complaint to other regulatory bodies, including seeking legal counsel, to ensure that my rights are upheld. 

You may contact me directly at XXXX or XXXX for further clarification or additional documentation. I demand prompt action and a resolution to this ongoing issue without further delay. 

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

I do not recognize this credit XXXX account on my report. Its not my account. I believe this account is fraudulent. I disputed this with the credit bureaus and they verified it as accurate..
Product: Credit card

I was XXXX for Military purposes and used the CITI card that was issued to me. I stayed at the assigned hotel for the period of time that we reserved the room for. We departed as planned. The hotel charged us for an extra day 's stay, claiming that " someone was occupying the room ''. We first tried to consult with the hotel manager, but could not make progress. We filed a dispute with the credit card company a month after the dispute ( XX/XX/XXXX ) and waited for resolution. I continually checked their Online account they have set up for me, and the status of the dispute never changed from a pending-status. I tracked this status for the next month and it never changed status. I called their toll-free number in early XX/XX/XXXX and they stated they do not handle disputes and that I would have to receive a call-back from a claims examiner. Several days passed with no call. I called back and they repeated that they can not provide me with any service related to disputes and that it is handled by a different branch that you can only have them call you back. I demanded that I would stay on the phone until they connected me. They terminated the call. A few hours later, I was called back, and they stated that they had sent me a letter some time in the past asking for details of the dispute. I advised them that I did not receive any letter. They could not confirm delivery. I asked why they did not change the status, use the message-center on the web portal, call me, or email me. They responded that it was not their policy, and they did not have to. They advised me that the claim was closed and there was nothing that could be done. I mentioned that the website stated that it was not closed, and that was misleading. I was then told that since it was a reservation made through the XXXX XXXX XXXX website, they did not have to handle disputes. I advised them that federal law still applies to them. This sort of back and forth continued for some time. In the end, they stated that they did not have to handle disputes, and that XXXX would have to handle them. I believe this is incorrect. I also believe they are supposed to notify you properly about the dispute process. I do not believe they did so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enhanced recovery company is reporting A collection on my credit report that is passed the statue of limitations in my state. I would like this collection to be deleted from my credit report from all three credit bureaus XXXX XXXX XXXX  has charged off the debt upon further research this account was transferred and I am no longer responsible for any debt to jpmcb card services. I would like XXXX XXXX XXXX To stop reporting this debt to the three credit Bureaus I would like for this charge off to be removed from my credit report of all three bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX  XXXX XXXX Balance : {$260.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXXXXXX Balance : {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX  XXXX of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX : XXXX XXXX XXXX  Date XXXX : XX/XX/XXXX XXXX  Date Updated : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a identity theft dispute on XX/XX/XXXX with Equifax, XXXX and XXXX. XXXX and XXXX removed all collections and hard inquiries but Equifax did not, they allege that accounts has been verified. I received letters that accounts has been removed. I would like a full audit investigation showing each company provided supporting documentation stating that my accounts has been verified of I will be seeking a attorney and will sue Equifax
Product: Credit card or prepaid card

I requested validation from Bank of America and all I received was a generic letter. This account is extremely old and I have been requesting a payment history and they still have not provided. They only sent a letter indicating the information is accurate. IT is not accurate. I want to see how the payments were applied when they are made etc.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my XXXX XXXX and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/XXXX my ex husband was late on the car payment with capitol one auto finance, Because he was not on time with his payment my credit score and report were and are still being effected. His failure to comply with court orders is preventing me from moving on and providing a place for our daughter and myself a place to live. I have worked very hard to repair my credit and have had no late payments in 4 years except this one from my ex husband. I believe that in goodwill the derogatory report should be removed because it was not my fault and the vehicle should have been out of my name if the ex had followed court agreements 2 years prior to the late payment in XX/XX/XXXX. I  still have to suffer because of his negligence even though we are no longer married. In XX/XX/XXXX there was a court ordered agreement that he insisted on keeping the vehicle a XXXX XXXX XXXX. He agreed to have the vehicle refinanced and my name removed from the vehicle loan which he failed to do by XX/XX/XXXX. I filed for our divorce and included in our separation/divorce agreement there were two separate times he again agreed to have the car refinanced and my name removed from the vehicle. Which he failed to do, I filed with family court a '' Rule to show cause '' why he was unable to follow through with our legal agreement. the court gave him 4 months to have the car refinanced. We were scheduled for another court hearing on XX/XX/XXXX he did not appear for the hearing and claimed he was out that day having the car refinanced. He was able to refinance the car and have my name successfully removed. The loan with capitol one was paid off that was the only late payment ever made on the account. I would like to put this behind me and move on with my life.
Product: Credit card or prepaid card

I bought a gift card a few years ago and the expiration of the card was not explained or notified on the front of the card. Apparently when I tried to use the card they stated that the card should have been used in the first two years and it is not valid. My argument is that Macy 's was to build a retail store in XXXX and never did. I would have to travel to XXXX or XXXX to use the gift card and when I decided to use it it had expired. This was news to me and I was given a e-mail address to raise my complaint to and I have done so 4 times and have not been given a response by Macy 's. 

This is the fourth time that I have contacted you to resolve the complaint below on my gift card. 

XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023
Product: Credit card or prepaid card

My account was paid in full. I called in advance to get the balance prior to paying it off. I paid the entire balance due as reported by their automated system.My credit report actually show a XXXX balance as of XXXX. There have been no subsequent charges on this account.I was charged a finance fee after the account was paid off. So in my opinion the company is not accurately providing the balance to the consumer. I have never had this happen before when paying off a credit card even when previously paying this one off. Furthermore they have started charging late fees. They are assessing fees on a fee. I was under the impression that fees were assessed on past due balance last not fees.
Product: Credit reporting or other personal consumer reports

The accounts that I am disputing are fraud accounts, they were due to identity theft/fraud. they do not belong to me an di did not authorize anyone to furnish this information especially FALSE INFORMATION AT THAT! Remove these asap! I will give you a chance to properly investigate before i reach out to XXXX XXXX XXXX XXXX  and my state atttorney general office.
Product: Checking or savings account

I deposited two separate large amount checks. From my long time friend! They just said they are gon na freeze my account saying I cant get my money especially when it was the day before the hurricane was to hit. And I am a widow and get help from my friend who gave my the checks to deposit. They dont approve it and froze my account with all my money. I have a XXXX XXXX son who is XXXX XXXX. This has caused me so much pain and depression. I cant sleep almost every night. They just say Im under investigation and they interrogated my friend who wrote me the checks. And he said he helps me pay my large bills u til I can sell my house I can not afford since my husband died. They are causing me to become so ohycally sick and my health is deteriorating over this stress. How can a bank take my money when I did not one thing wrong nor illegal. This is chase the power hungry company who gets away with everything without consequences. Im gon na have to hire an atty if they dont give me all of my money out now. I dont want anything to do with chase. The manager at one of the branches even basically called me a XXXX. How is he not fired??!!!!!
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I faced the consequences of losing {$3500.00} and deducting {$150.00} along with compromising my identity because of a job scam. I received a text from an unknown XXXX XXXX XXXX from XXXX XXXX ( XXXX ) asking if I would like to be eligible for a position as XXXX XXXX XXXX XXXX for XXXX XXXX She referred me to XXXX XXXX XXXX a XXXX  chat. I conversed with HR from XXXX XXXX XXXX XXXX and proceeded to do an in-chat interview. I was told that I was hired and would start working on XX/XX/year>. I was asked to send a Photo ID by XXXX and HR provided a start-up check that covers software/office equipment suppliers. He asked me go to the bank to make a wire transfer and provided another vendor 's wire transfer info. I found that check funds from XXXX were insufficient that it took money out of my checking account. I stated to XXXX over XXXX chat that he would call the accounting dept and they would reinstate the check amount of XXXX dollars. He asked me to provide my account numbers and routing numbers. But that was my last interaction with him before receiving no response on his end. I went to the bank for help and a refund request but they won't help me out.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX ( but I have been disputing these items for over a year now ), I sent in dispute letters to the CRAs to investigate information on my credit report. Multiple things were reporting inaccurately, as well as late payments ( which are illegal due to 15 USC 1666B and 1666 ). This violates my privacy to disclose that type of information, and one of them I have never been late ( so I would like to see original document showing that I was late ). The accounts in question ( which I will disclose in the uploads ) are : XXXX : XXXX XXXX  ( reporting late ) XXXX XXXX ( reporting inaccurate information ; not matching up with other agencies ) XXXX XXXX XXXX ( reporting inaccurately ) XXXX ( reporting inaccurately ) XXXXXXXX XXXX XXXX  ( this was removed prior and they re added without reaching out within allotted time ; FCRA passed law that prevented reinsertion ) Experian ( accounts not listed are the same up top, everything else is new ) XXXX  ( reporting late payment ; want to see original document ) XXXX XXXX XXXX ( 12 CFR Part 1006 is being violated here ) XXXX ( same accounts up top : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Also the address XXXX XXXX XXXX XXXX is reporting on my report, I have nothing to do with that address and want that removed please ( I live at XXXX XXXX XXXX XXXX )