23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On Tuesday, XXXX XXXX, 2018 at XXXX EST, I received the Closing Disclosure from Quicken Loans to sign off on. I was scheduled to close on XXXX XXXX at XXXX EST. The closing cost stated on the closing disclosure that I signed was {$24000.00}. 

At the closing table on XX/XX/XXXX, the closing costs had risen without being brought to my attention to {$29.00}, XXXX. I was told that the reason for the change was that the title transfer tax was not listed on the Closing Disclosure that was submitted to me for signing. This change was never mentioned to me until I was at the signing table. 

On XX/XX/XXXX, Quicken refused to rectify the situation and I did not close on the house. The title company told me, the day of signing and numerous times since, that this is a fine tolerance cure that I should file a complaint over. 

On XX/XX/XXXX, Quicken offered to credit my closing costs with {$1200.00}. I closed on the house XX/XX/XXXX with this credit applied only because I had received numerous threats from my realtor ( who was assigned to me by Quicken ) that I would be sued if I did not close.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to AMERICAN EXPRESS but they failed to give me any results or feedbacks about this concern. Please investigate and erase it from my personal credit file. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and disputed online to all three credit bureaus about unauthorized credit inquires on my credit report. The bureaus refuse to rectify the matter. 

The policy states that this is only permissible for the purpose only for a. firm offer of credit b. Insurance c. a court order d. employment On my report none of theses inquiries fit the above purpose. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX. Inquired on XX/XX/XXXX XXXX XXXX. Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX. Inquired on XX/XX/XXXX XXXX XXXX. Inquired on XX/XX/XXXX
Product: Credit card

I have a Lowe 's credit card issued by Synchrony Bank. I paid over and above my balance so that I could make a large purchase at the store. After my payment, my card had a credit balance of {$2100.00} and a credit balance of {$3600.00}. My local Lowe 's store tried numerous times to run my card for about {$5100.00} but it kept getting declined. Even when I called the credit card company and they said everything was okay.Finally I got a supervisor they then told me I could n't charge more then {$2100.00} and I would have to charge it multiple times.The store would n't allow this. When I had a credit of {$600.00} I would pay a cash payment at the store then I was able to buy products or charges over {$600.00} without a problem.Now suddenly have a problem after they increased my limit. I called the credit department several times and was finally told that they would no longer allow me to charge over my credit limit even though I had a credit balance. I was told they would send me a refund check which I would have to cash and then take the cash back to the store. I have been trying to resolve this for over 6 days. The credit manager told me the check was sent XXXX on XXXX/XXXX/16 but did not have the tracking number. I called back on XXXX/XXXX/16 because I did not get the refund. I am now being told the refund just went out today XXXX/XXXX/16 but still no tracking number is available and it will take over 4 days which means it will be over 2 weeks to get my money back and get my purchase taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ACT. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 1681. 

XXXX  account # XXXX XXXX XXXX XXXX Has violated my rights. 

XXXX account # XXXXXXXX XXXX XXXXXXXX Has violated my rights. 

XXXX  account # XXXXXXXX XXXX XXXX XXXXXXXX Has violated my rights. 

XXXX account # XXXX XXXX XXXXXXXX XXXX XXXX Has violated my rights. 

XXXX account # XXXX XXXX XXXXXXXX Has violated my rights. 

XXXX  account # XXXXXXXX XXXX XXXX XXXX  Has violated my rights. 

XXXX account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX Has violated my rights. 

Also 15 u.s.c.1681 section 602A states I have a right to privacy.

15 u.s.c. 1681 section 604A section 2 ; It also states that a consumer reporting agency can not furnish a account without my written instructions.

15 u.s.c 1681c ( a ) 5 ; No consumer reporting agency containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antidotes the report by more than 7 years.

15 u.s.c 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

Mystery 30 day late. I've always paid on time. They just keep saying their records say it was late. They offered to mail me a copy of the payment history, nothing about validity of same.
Product: Debt collection

I entered into a marketing agreement with XXXX XXXX  XXXX on for the term of 36 months. I quickly realized it was not what I expected and tried to be released from the contract as I was told should there be a change and I need to the company will generally work with you. They ignored my requests. Didn't even respond. So I stopped paying. Now TSI collections are taking very aggressive collection actions. They have contacted my employer, even after I have requested they didn't. They even put his name on my address in a letter from their attorney, that seems to be fictious, as I have called that attorney and my case number on the letter, my name, address, the amount, does not exists in their database. And after sending a cease and desist letter they continue to reach out. I would like them to stop all communication.
Product: Debt collection

the collection agency has engaged in false and misleading practices, violating FDCPA 807, and provided misleading forms, violating FDCPA 812
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I wanted to let you know about a couple of things on my credit that are not mine. I was trying to help my mom get a car and they told me that we was not approved. I have contacted the FTC and the police. Im doing this on my own behalf. Please remove these things from my credit Chapter XXXX Bankruptcy, XXXX and XXXX.
Product: Credit card or prepaid card

I made a total of 3 payments ( 2 for XXXXeach with my capital one credit card and 1 for XXXX with my capital debit card ) well when it came time to receive what I paid for the company did not provide the service. When thinking about trying to get the issued resolved with the company they told me to go through my bank. So, I reached out to Capital One to start a claim. The first purchase was made using my capital personal checking account ending in XXXX in the amount of XXXX ( claim number XXXX ) which was resolved and the temporary credit they gave me was permanent after an investigation was complete. The second purchase was made using my capital secured card account ending in XXXX in the amount of XXXX ( claim number XXXX ) in which capital took the credit back and charged my account. The third purchase was made using my capital secured card account ending in XXXX in the amount of XXXX ( claim number XXXX ) in which capital took the credit back and charged my account. I mention all of this to say I would like for the company to permanently credit my account back in the amount of XXXX the total amount they charged back being that the services I agreed and paid for were not receive. I even questioned the company as to how my Capital One personal checking account claim be resolved correctly but the credit card is not resolved correctly. Same company, different departments but for the same purchase. My checking account was credited, and I was able to keep the funds but for the credit card they took the credit back. When bringing the matter to the attention of the company they stated, it doesn't matter.
Product: Mortgage

I'm trying to avoid foreclosure so I applied for the XXXX XXXX XXXX XXXX. My application with them was started/ was accepted on XX/XX/XXXX. California Mortgage XXXX program contacted LoanCare ( my lender ) on XX/XX/XXXX requesting the needed information. My lender says that they sent the requested information back to the Relief Program on XX/XX/XXXX. I've called the Relief Program several times and they tell me that LoanCare has not contacted them or sent the requested information at all. 
I get the run around every time I call LoanCare. I'm in Loss Mitigation right now, I've been waiting for some answer from the lender/LoanCare since XX/XX/XXXX. They restarted my loss mitigation application on XX/XX/XXXX, but still have no answer. So I have no response from the Lender for either option to save my house. 
This is abuse. It's mental abuse to do this to people and not be transparent between the lender and buyer.
Product: Mortgage

XX/XX/XXXX SLS appeared on my credit report, I have never heard of this company. This Is account is falsely being reported to the credit agencies. This foreclosure happened in XX/XX/XXXX. There was a zero balance was left with XXXX XXXX, the home collapsed and doesn't exist anymore. I received no documentation regarding any outstanding balance in XXXX XXXX years. I have never received any debt validation letters from SLS. This company is in violation of the FDCPA and FCRA.
Product: Debt collection

When I enroll in this program with XXXX XXXX XXXX, I was never told that the debt settlement program that I was enrolling in would not pay my credit card obligations. They made false representation and I was under the impression that they were paying for my credit cards. However, they did not pay my credit cards and let them go into default. They then settled my credit card debts after the fact. This hurt my credit score. In addition, I have paid a total of {$33000.00} since XXXX This company is demanding that I pay an additional {$26000.00} more so they can continue to make payments towards my credit card debts. This is not true! I called all my credit cards and they all told me my debts have been paid and settled. I would like this company to refund the fees they charge me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

On XX/XX/2021 Citi lowered my credit limit on my card ( XXXX ) claiming that I had missed payments on my card. I called and opened a dispute as this is not the case. I have all my credit cards on auto payment and have not missed a payment, made any late payments or gone over any on my card limits in more than 7 years. 
What Citi did is the lowest of the low. My mother died on XX/XX/XXXX and they were paid in full an on time. I was diagnosed on with XXXX 2 weeks later and still paid my card on time and in full. I even paid my balance down {$2000.00} so my family had emergency funds in case anything happened while I was in the hospital during surgery. 
Citi then lowered the limit on my card to match my remaining balance and then claimed the credit to debt ratio was too high. What they forget to tell everyone is they MADE is that ration high with their dishonest and deceptive credit practices and the time of need.
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 CFPB lawsuit highlighting significant issues with 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 founds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect customers 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 customer safety.
Product: Debt collection

I worked for this company called XXXX XXXX after I graduated selling XXXX knives. Needless to say I was just recently told that a customer that purchased a set of knives did not complete payment so it charged back on me, however I was no longer with the company. Being that I was n't making enough money had to move back home, so the company did not have my address or phone number to contact me, in which they stated when I got in touch with them on XX/XX/2016. I made them aware that I did not know about this until I viewed my credit report myself. I called them they told me the account was written off for {$270.00} no other interest etc. Needless to say on my credit report XXXX has reported {$400.00}. I have set up payment arrangement directly with XXXX XXXX to pay the XXXX off. I contacted XXXX about the wrong amount reporting and the rep. was very rude and stated it does n't matter what XXXX is requesting you will have to pay the XXXX that we are looking to collect. Never had this happen to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  LETTER TO CONSUMER REPORTING AGENCIES XX/XX/XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX RE : XXXX XXXX XXXX Dear Sir or Madam : I am XXXX  XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

INCORRECT ADDRESS ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BALANCE : {$0.00} XXXX XXXX XX/XX/XXXX XXXX BALANCE : {$24000.00} XXXX XXXX XX/XX/XXXX XXXX BALANCE : {$50000.00} XXXX XXXX XX/XX/XXXX XXXX BALANCE : {$3100.00} XXXX XXXX XX/XX/XXXX XXXX BALANCE XXXX {$4000.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX BALANCE : {$0.00} XXXX XX/XX/XXXX XXXX BALANCE : {$290.00} XXXX XXXX XX/XX/XXXX XXXX BALANCE : {$12000.00} XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX BALANCE : {$410.00} XXXX XX/XX/XXXX XXXX BALANCE XXXX {$6900.00} INQUIRY XXXX XXXX XXXX - XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX Enclosures : [ List what you are enclosing ] Proof of identity [ Each consumer reporting agency sets requirements for proof of identity. 
Examples that are likely to satisfy the requirements may include : a copy of drivers license, other government-issued identification card, utility bill. If you are a representative assisting with this submission, then your proof of identity should be included too. ] XXXX XXXXocumentation [ Documents establishing that youre a victim of XXXX Examples of acceptable documents include : Documents from a federal, state, local, or tribal governmental entity ; Documents from a non-governmental organization or XXXX XXXX task force, including affiliated victim service providers authorized by a federal, state, local, or tribal governmental entity to identify XXXX XXXX XXXX  ; Court documents with a determination that you are a XXXX XXXX XXXX ; and/or A self-attestation that you are a victim signed or certified by a representative from a governmental entity, court, or authorized non-governmental organization or XXXX XXXX XXXX XXXXXXXX.
Product: Prepaid card

I received two American Express prepaid cards as a reward for attending a timeshare presentation. I attempted to use these cards on multiple occasions in person and online. 
Merchants included XXXX XXXX XXXX, a windshield tinting company, a pool store, an online wine purchase, XXXX online purchase. On all occasions, the cards were rejected. Multiple calls to the support number on the card only yielded the response that the charges were blocked for my protection because the merchants were suspect. I countered that these merchants had been in business for years, but got no help from the representative except to say to try them at another merchant. 

I finally tried to redeem them at a restaurant, only they could not be redeemed for the full {$100.00} value, but only for {$80.00} each. Another call to AmEx support. They said 20 % gets held back for a tip, which would be fine if they allowed you to close out the transaction and add a tip, but they did not. Cards both had a {$12.00} hold and only {$8.00} showing available when I checked. I was told the hold would be cleared in 7 calendar days. Not so. Another call to AmEx support and they said no that the hold would be cleared in 7-14 business days, conveniently taking me past the 3-month issue date of the card. As of today, holds have still not been released and {$3.00} has been deducted for being past the 3-month mark. Pending charges on credit cards are cleared after only 2-3 days. It seems like the difficulty in using these cards is by design, so that people get frustrated and American Express ends up with your hard-earned cash.
Product: Credit card

On XX/XX/XXXX, I returned an item bought from XXXX, and they received it on XX/XX/XXXX. Despite multiple attempts to inquire about my refund, XXXX  informed me that I needed to wait XXXX days for the merchant to process it. After waiting, I contacted XXXX  on XX/XX/XXXX, and a supervisor mentioned that this was the final day for the merchant to issue the refund. However, if it wasn't processed, XXXX would handle it. Today, XX/XX/XXXX, upon calling XXXX, I was instructed to fill out a form explaining why the refund hasn't been issued. Today, XX/XX/XXXX, upon calling XXXX, I was instructed to fill out another form explaining why the refund hasn't been issued and I advised them that I have submitted XXXX  and they keep telling me to submit the form again because question XXXX  XXXX was not answered correctly. Question XXXX  XXXX is asking how was the order shipped back to the merchant and I responded via XXXX  and provided the tracking number and they want me to delete the tracking number then they hang up on me. I wasn't informed of this requirement during my previous call on XX/XX/XXXX.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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

My Torrid card was used in XX/XX/2023 for an amount of {$88.00}. This charge appeared on my XX/XX/2023 statement due XX/XX/XXXX. The payment was made in full on time and the account was subsequently closed. I received by both email and US Mail a letter stating the account had been closed and had a XXXX balance. A few days later, I received another statement with a {$28.00} balance. After reviewing the statement, it showed they charged a late fee on XX/XX/XXXX, yet I had a letter dated XX/XX/XXXX that the account balance was XXXX. I assumed this was some sort of glitch until this month ( XXXX ), I received another bill now totaling {$57.00}. Again, after reviewing, it was noticed that another {$28.00} late fee had been charged and {$1.00} " minimum interest '' ( interest on a late fee and a late fee on a late fee on a XXXX balance ). At this point I placed a call about this and was told they didn't apply my payment until XX/XX/XXXX and this set off the cycle of fees and interest. I was also told that none of this could be reversed because the account was closed so I either pay the fees and interest or it will be reflected as late paid on my credit bureaus. This sounds like extortion to me. Again, I have a letter dated XX/XX/XXXX from them that stated I have a XXXX balance and the account was closed. How can I have a letter dated XX/XX/XXXX showing a XXXX balance if a fee was charged XX/XX/XXXX?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX has violated my rights. 

I am filing a complaint against Equifax, XXXX, and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax, XXXX, and XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's administrative proceedings ( File No. XXXX ) against them for similar violations. I request the CFPB take action to ensure Equifax, XXXX, and XXXX complies with federal law. 

15 U.S.C. 1681i section 602 A. states that I have a right to privacy. 

15 U.S.C. 1681i Section 604 A Section 2 ; States a consumer reporting agency can not furnish any account without my written instructions. 

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX